I can't give a ton of input here as I'm pretty new to road biking as well, but I ride a Trek 1.1 WSD (now called the Lexa), pretty much as cheap as they come, and I have to say that I'm really happy with it. I'm pretty satisfied with Trek's approach to women's geometry. A friend of mine recently bought a Specialized Dolce, which she loves, but she was really disappointed at first with the way Specialized does women's bikes. The stock handlebars were very wide and the drops far too deep for her petite frame. The guy at the shop who sold it to her (who is 5'10") told her the handlebars on his bike were exactly the same size. She ended up replacing them with an all around smaller handlebar and is very happy now.

As I said before, I'm pretty new to this, so these are the only two bikes I'm really familiar with. But I'd definitely have to vote in favor of Trek out of these two when it comes to women's geometry. I've heard that the Madone is a really nice bike. Definitely good for racing, but just because you won't be racing doesn't mean you shouldn't have one. I say if you want one and you can afford it, go for it!