I have a short inseam, only about 25"... budget-wise, i'm willing to save, but I'm not ready for anything super over the top. As much as I would love to buy a Specialized Ruby, I can neither afford her nor do i deserve her yet (i feel like i should earn my bike)... I like my Zum fit, though the saddle is pushed all the way forward and my arms are still slightly more locked than I'd like them... but I'm not being super picky at this point. I'm still super new to the world of cycling and am literally trying to read everything I can get my hands on as well as ride every possible second I can... but I want to be prepared with all my options when I go to a LBS... and actually sound like I know what I'm talking about :P my friend fit me on my Zum (since he worked at a shop), but he's moving away soon, so I won't have him to rely on...