My clipped-on shoes (when training in the basement) are same size as my regular shoes. I do find them a little tighter. They are Louis Garneau Women S Ls 100 Road Shoes. Love them a lot.

For riding outside, I'm using Giro Whynd Clipless Mountain Bike Shoes but not using the clipped-on system. I have a mini toe clip. I just can't ride with my feet locked-in, fell a few times and I can't afford to damage my already-too-damaged knees. The harder sole is perfect for pushing more.

So my shoes are same size as my normal shoes but for the road bike ones, I think I could use half point bigger.