I'm 5'6" and have 650c on my custom bike. I have long legs, short torso, long feet, and wanted fenders. The bike looks funny with a very long head tube, but no toe overlap and it rides wonderfully. I built my own wheelset with Mavic CXP 33 rims and Dura Ace hubs. I also have a set of 26" wheels that fit the bike and take 26x1.3 tires for commuting and touring.