This is in your price range & requirements...

http://www.orbea.com/us-us/bicis/mod...ix_dama_t105/#

I own an Orbea Onix dama that's the next step up with the Ultergra group. I had to travel 5 hours round trip to get her... she was worth it, I love her. I ride a size 49cm. I'm 5' 5"(4-1/2"-ish) with shorter legs, and longer torso. It does also come in a 46cm which might work for you.

They did make the Diva dama, which is like Orbea's top of the line Orca. Never got to test ride her, but said to have more of a race feel. My Onix is heavy for a carbon bike, meh over 18#s, but more plush carbon ride.

I'm in my 40s but have arthrisits in my spine and degenerative disk disease. I love my carbon bike for distance riding as it sucks the rual road chip and seal right up. I also have a carbon bar. While the geo of the Onix is more aero than say the Cannodale Synapse's head tube, you could always have a angled stem. I do. Actually since I had a bad crash, I might hafta bring up my co-pit up if things don't resolve, but anyrate.

I think the Cannodale Synapse is very similiar geo to the Orbea. Just taller head tube in the Cannodale. Btw, I had to order my carbon Orbea sight unseen to get her from Spain. I was fortunate the shop has an alum ver left over from the prior year for me to test ride the geo.

You will love your new carbon bike for how you ride. You don't hafta be a racer to have carbon... it's about comfort... which equals a happier ride. Good Luck!