Thank you all so much for all of the great advice. I do plan to do plenty of test rides. Especially now that ALL of you have insisted upon it. I just like to have all of my ducks in a row before I walk in the LBS(s) - especially since it's so far away.

I tend to research things to death before I make a purchase. I even do this for things as insignificant as a computer mouse or a waffle iron. It's my nature.

Anyway - I will definitely test ride as many bikes as they'll let me. I'm a pretty average size with relatively average proportions (5'6" with a 29-30" inseam), so I may be able to go either way with the WSD. My thought was that I'm also more likely to get a more comfy saddle by going with WSD. I'm trying to not have to buy any other components with the bike. But - it sounds like overall fit is THE most important thing of all. I can always spring for a woman's saddle later. Geez - I'm riding a hybrid now and while I love the bike I have, I'm guessing a road bike will be a dream!