I agree that a 2005 Gary Fisher is not that old. I think you should try riding some more on your current bike, then demo some 27.5 and 29ers.
I am 5ft 1in, but I love the 29ers more than the 27.5. I feel a 29er has better grip descending. Since I go pretty slow on switchbacks, the tighter handling on the 27.5 didn't really differ for me on a 29er. But on a steep descent, I definitely felt more confident and "grippier" on my 29er than the 27.5. I am a MUCH better descender now on my Specialized Fate Hardtail 29er compared to my Santa Cruz Juliana 26er one year ago. I do miss fully sitting down on the non-rocky descents on the full suspension (I always have to keep my buttock up at least 1 cm on any descents on my hardtail or the saddle bucks me).
If you have a lot of back pain from rocks or need to fully sit more often, I would recommend your future bike to be a full suspension. If your budget allows, get the remote locks so that you can lock out both the front and rear suspensions on your handle bar for climbing.
I wish I liked the 27.5 more since they are lighter and Liv Giant has some awesome colors on their women's bikes.



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