Hi there, Kay!

Perhaps something like the Terry Burlington might hold your interest. It's from Performance...Find Bikes, Cycling Clothing, Bike Parts & Bike Shoes Or Your Local Bike Store at Performance. @ $450

The Terry Burlington is a 26incher ( like many mtbikes from the 80's). It therefore, has a lower center of gravity. It also has wider tires. These are both features that will help to maintain your balance. Just in case, your feet will be closer to the ground for a quick recovery. The Terry Burlington comes with both rack and fenders.

* Also, sometimes having a "shorter" bike facilitates the lift.