I'm 5'2" also and rode stock frames for years. That said, they never really fit in spite of many alterations. I finally got frustrated with the handling of my carbon frame and built a carbon/ti Serotta. While the carbon frame is still a nice ride it doesn't have the same fit as my Serotta built for me. Everytime I ride the Serotta my body says ahhh, this bike is so perfect (fit, handling, ride). I built it for 650c wheels which I love.
Stock frames are built for average riders. If you're an average 5'2, whatever the companies deem that is, then you may be ok. In my case I have short arms and femurs. My custom frame addresses those issues.
You do have to have complete trust in the expertise of the fitter and be able to communicate your needs to them. the advantage I had was I had ridden both road and mtn bikes for years. My stock frame was set up the best it could be. I knew what I liked and didn't like and what my needs were. My fitter was able to use my old bike as the starting point for my custom frame.
If you are sure you can get a good fit in a stock frame go for it, otherwise, go custom.



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