Quote Originally Posted by Rebecca19804 View Post
+1 on Surly. I am 5'3". LBS tried to get me onto a 46cm Cross Check which I insisted was too small. Went with a 50cm (from a different shop). Perfect fit. And it's a terrific bike.

I truly believe fit is more about reach while actually cyling than standover height when your feet are on the ground.
I agree, although as a practical matter, you do need to be able to stand over your bike. As it is, I have very little clearance on any of my road bikes. My 29-inch inseam at 5'4 is proportionally really short. One of my bikes is a 47; the other a 50. My MTB is a WSD 15 inch.