I'm 5'6" and ride a 54cm men's Fuji Team. I have long arms and legs, but even so I have had to tweak it to fit smaller, as I fall right between a 54 and 52.
Don't know if that helps much, just seems 54 would be a bit big for you. As someone noted earlier, no two frames are the same size. When you find the right size and bike, you will know.



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For me it is also about back flexibility and arthritic hands that can't bear much weight - so I've other things going on.
