Kelownagirl-
I was also in the same place you are now. My bike shop is actually both a Trek and Specialized dealer, so I was able to test ride both bikes at the same place, and my fitter know both bikes really well. I rode the Madone first. Very smooth ride, but to me it almost felt dead....like it damped out the road almost too much. Tad (my bike guy) described the Madone like a Cadillac...nice smooth ride, very safe. I had a bit of a hard time finding a Madone that would fit me really well because of the new seat clamp. I am 5'3" and wear a 30" inseam pants (don't remember my cycling inseam).
I then rode the Ruby... rode the Comp since that was the only one they had in the shop. Let's just say, it was the first bike (in my price range) that I came back in with a HUGE smile on my face! I felt like it smoothed out the road, but felt more like a race car....very responsive, when I moved and got out of the saddle it just responded to me. I went on to ride a number of other bikes (Felt, Cervelo, Lightspeed, Orbea) and just kept thinking about the Ruby. Went back to re-ride it, and it was just like I remembered...I was in love! I knew even before I went back that if I ordered the Ruby I was going to get the pro model, so Tad was a bit hesitant to send me back out on the Comp after I had ridden a bunch of other bikes (said it was like taking a knife to a gun fight). But it didn't matter.. it was the fit and the feel of the bike that I loved. I knew that if I loved the Comp that much the Pro was only going to be better. Did a bunch of fitting on the Comp to decide which size to order and get all my measurements. I am riding a 51, and it fits like a dream.
It was interesting since the shop sells both Specialized and Trek to hear what Tad thought of the two. In fact, the owner had been riding a Specialized Ruby Pro, and she had just upgraded to a new Madone (it was actually sitting next to my bike when I went to pick it up). He felt that the Ruby is a better deal for the money given the level of components and carbon that Specialized uses vs Trek, especially on their Women's bikes. Specialized is known for taking Women's specific design pretty seriously, and at least to me, I felt that this bike really responded to me better than any other bike I rode, women's specific or not.
Then again, everyone is different, and you may just LOVE the Madone. Is there anyway you can at least ride one that might be somewhat close to your size? Even if it isn't perfect or is the men's design you will at least get an idea of the ride and see if it is for you. Good luck!
E.
PS: The Ruby Pro is REALLY purdy tooYou can see photos of mine here: http://picasaweb.google.com/ellen.mallman/NewBike