I'm short too, and I find a top tube less than 50cm ideal.

I wound up buying three used Indy Fabs, all from women who were no longer riding them for whatever reason. All Crown Jewels, two steel frames and one ti.

They are superb rides. I paid $1000 and $1200 for the steel, $1700 for the ti.

Buying this trio gave me a much better insight on just how well IF tunes their rides. The ride is different on each one, but at this level, it's almost like comparing flavors - they're all really good.

Now if I wanted a custom, I wouldn't hesitate to get an IF. But I'd have to spend a chunk of change to get a new one (probably at least what I spent on the first three combined), and I'm not entirely sure what a new one would give me that the other three don't already have. So for me, the three "grail" bikes work just fine.