I've been riding size small bikes forever, and they're okay, if a bit cramped; I always assumed that was normal. I test rode this 48cm Kona Dew Plus and it fit like it was custom made for me; I didn't want to take it back to the shop! Unfortunately, the top tube hits bone. I also rode a women's Specialized Sirrus in medium, and ran into the same issue. What do I do with this knowledge? The only thing I can think of is to put on smaller wheels, but that would lower the bottom bracket, never a good idea. Stick with the smaller size and do what I can to make it fit? ...?

Any advice would be greatly appreciated.TIA.