5'4" isn't that short! I am 2 inches taller than you and ride a 54cm (or is it a 53?). Anyway, unless your inseam is very short and your torso very long, I am surprised that you couldn't stand over the 44cm. Maybe check some other bike shops . . .
In terms of your weight, you are not too heavy to ride a bike!!! I'd just advise staying away from low spoke count wheels.




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