Don't be too afraid to get a used bike. If you buy from another woman who is about her height, and your wife does not have any really weird body comp issues (ie really short torso), you should be fine. I am a Physical Therapist and I agree whole heartedly that bike fit is parmount. In fact I've spent much time and money getting to the point where I now do custom bike fitting for people with injuries and special needs. The good news is that there are so many options out there for tweaking out bike fit that if you save a few bucks by getting a good frame you have some money free to invest in a different stem, saddle or seat post which is usually all you need to get a bike to fit well if it is within 2 cm of the right frame size.
The other factor is that your wife is kinda short and if you buy from someone the same height they will likely already have shorter cranks, saving a little cost for you.
Have fun shopping.
Wahine



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