According to the measurements she posted, the OP is not tall enough for the smallest (42cm frame) LHT as the standover is 702.1 mm, assuming she measured her inseam accurately. A bike with a sloping top tube might work better.

Or, as someone suggested, a Bike Friday! Mine, a Pocket Crusoe, takes fenders, wider tires, and is a great touring and around-town bike. It can be stripped of racks and fenders and skinnier tires put on for club rides as well. I had it made with drop bars, so it's very versatile. Not in her budget, though, unless she could find a used one that would fit.

Being petite is tough -- even at 5'2", it's not easy to find bikes to test ride that actually come close to fitting!