First I want to say welcome to TE and to the wonderful world of cycling. You are indeed a lucky woman to live in such a bike friendly city. You are fortunate because you have a lot of options right at your fingertips.
IMO there are many great bikes that are women specific and I would suggest that you shop around and ride a lot of bikes. You say that you need a 48 cm bike but a 48 cm in one brand may have a completely different geometry than another brand. That's the reason you need to test ride them and deal with a bike shop that treats you with respect and gives you a proper fitting. I would also suggest that you compare components instead of price and not get anything less than Shimano 105. I also would stay away from Craig's List if this is your first bike. Of course, this is JMO. Good luck!
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"We don't stop playing because we grow old; we grow old because we stop playing." George Bernard Shaw
Luna Eclipse/Selle Italia Lady
Surly Pacer/Terry Butterfly
Quintana Roo Cd01/Koobi Stratus
1981 Schwinn Le Tour Tourist
Jamis Coda Femme