Welcome to TE. I'm a bit shorter than you are. I'm 5'0" with a 27" inseam. I have 13" Trek 4 series mountain bike and a 47cm 2000 series men's road bike. After some adjusting to make my mountain bike fit more like my road bike I'm finally comfortable (other than finding a good saddle) riding it. I've been pretty comfortable on the road bike since day one. However I do have a bit longer torso and arms. For me I'm much better off if I can find a men's bike vs a WSD.