Do you know what your inseam measurement is? I'm 5 feet tall with a 25" inseam and most Terry's would probably not work for me. However, I do have a Terry mixte that I purchased from a woman who was 4'9" and I believe she used it for touring ; she sold it to me with full racks front and back. So you might consider a small mixte as well. Or perhaps even a Bike Friday.

If you have questions about some of the older Terry bikes, you could always ping Georgena. She's really great about answering questions, and she definitely knows her bikes. Here's her website with contact info.