Velo Dog has it about right on every point except not many like the gripshifters. You can get used to them but the conventional changers are better for most riders.

Short female and there is a womans specific frame made by most manufacturers that suits the shorter female better. It's not just the colour either as the components are better suited and the frame has a shorter top tube.

"Comfort" bikes are fine for the use you want to give it but in the main they are heavy. Suspension forks at that price just add weight and are not necessary.

Look at the hybrid bikes. May be a bit above your price range but they are basically a road frame with straight handlebars. Shorter top tubes-especially in the Womens form and lighter weight.