Thanks everyone for the warm welcome. Its true I had the whole intention to get a road bike. After having my life flash before my eyes, i just got scared.

Getting a rental bike is an option. My daughter is 52" and half, so roughly 4 foot 4 1/2. So that might be a very good possibility, lol
I have been reading alot of the threads about people getting the hang of it more quickly then I imagined. I really want to do cycling for the endurance and miles. Which is why i am weary of the FX.

Thanks so much for the encouragement. Its exactly what I needed. I will let you all know how it plays out.