Hi, I'm trying to find a reasonably priced bike that is able to accommodate the female figure for fully-loaded touring. My problem is that, like many women, I have long legs and a short torso (I'm 5'7" and have an inseam of around 31"). My legs seem to typically fit a 52cm bike frame (at least for the Trek 520), but my arms are way too stretched out. After being measured at several bike shops, I've been told that I need to find a top tube (eff) around 50-51 cm. However, all the touring bikes I've considered thus far (the Trek520, the Surly LHT, the REI Randonee) seem to have a large top tube relative to the (vertical) frame size. I've read other forum posts, and a Terry bicycle has been suggested, but their bikes are on the high end of my budget and still have a (little) too long of a top tube for my needs. I don't like to have my legs cramped, so don't want to go too small of a frame size.
Is there any way that I can trick out an existing touring or other (road/ hybrid) bike, or am I just asking for too much and just need to pony up the cash for a custom frame? I plan on doing heavy loaded touring (using front/ rear panniers), so I need to find a bike with front/rear brazons. Thanks.