Thank you for your thread, as i am considering buying one of these bikes. My only problem is that only the 48.5 is available (must be the medium model and the same as your 49.) right now and i am 5' 8" versus your heigh of about 5' 3" if I caluculated correctly. I guess I better re-think my decision. I'd love to hear from you and whether or not at your height you had toe overlap (if that is the correct term?) and if at your height you have the seat as low as it will go, or more mid range or up high. Hope you see this and reply ! Need to make my decision soon as they are holding the bike for me.