Ok I narrowed my bike down but understand my budget took a big hit so I am going aluminum with carbon forks and seat post. Going to go with the Orbea Aqua it has 105 components. Problem is the local bike shop has a 51cm and 48cm and they are saying that I fit into the 48cm because how short my legs are. My inseam if 29 inches and fitting me into the 48cm they are adding a stem of 110 to the forks to add for the extra distance. Does this seam correct?

I'll feel like a girl on the 48cm or am I being too critical? The price for either out the door is $1129.93.