I am 5'3 in my stocking feet and have the smallest Trek 7.6 FX. It is a WSD bike and if I remember correctly it is 15.5. I have long legs for my height, but for my torso the reach is slightly too long for me. It isn't TOO bad, as I learned how to ride on my Trek, but since the Wanderer (LHT) fits me so much better I am currently not riding the Trek until I decide what to do with it. It certainly isn't too small for me....

+1 on core strength. I am still working on this but am finally starting to understand why Tuilp and others have mentioned this to me over the months since I first came to TE.