I have a Kilo WT5 and I like it quite a bit. It makes a pretty rad winter and bad weather bike. As a 6'0" man, I have a 56cm frame; you can see my saddle is about equal with the handlebars. I have some toe overlap (with fenders) and heel strike if I don't set my panniers towards the back. I would imagine a smaller frame would only increase those problems.

Pros:
Fast
Reliable
Simple
Cheap
Strong wheels

Cons:
Frame is a bit racy
Stock gearing is way too high
Stock seat and pedals are awful
SA hub needs a good oil bath before functioning smoothly