I've always been skeptical of the "geometry is everything" approach, unless you're a racer. Reach, at least, is adjustable with stem and/or handlebar choice. Standover is written in stone.

PurpleJersey , when in doubt, consult Sheldon Brown, who has this to say about frame sizing. HTH.

EDIT: I should add, as a fellow short rider, that for anything but racing it's hard to go wrong with a '80s to early '90s steel mountain bike. The 26" wheels are proportional to our size frame, so no tortured geometry to squeeze too-large 700c wheels in there. They're also extremely versatile (as long as you stick with a rigid fork) too; they make great gravel bikes, commuters, tourers, grocery-getters, whatever you need. My commuter/explorer is only limited by the engine: