Thank you all so much for all the replies and advice. I read each and every one and they are all very helpful.
Originally Posted by
JohnDThompson
From your description, I wouldn't think the bike is too big for you, but perhaps the cranks are too long. If you have arthritis or other joint problems, shorter arms may help. Otherwise, if your expectation is that you should be able to plant your feet on the ground while seated in the saddle, one of the "crank forward" designs like the Electra "Townie" may need your requirements:

I'll see if after raising the saddle things will go well without having to change crank arms. Why don't most hybrid/comfort bikes have the same "crank forward" design as the Townie in the picture? It looks comfy and should reduce knee injuries. What's the advantage of the regular crank arm position over this forward one?