My wife and I bought a '92 Santana Fusion for a thousand dollars several years ago. It's been fun to have but we only take it out for short rides a few times a year, so I'm glad we didn't spend a lot more money on a new one. It's got 26" wheels so we can fit really wide tires which is nice for some of the gravel paths we ride. My wife is 5'6" and I'm 5'11", which seems to be a little more common size combo than what you are looking for. I watched craigslist for a few years before something local came up that worked for us. I added a thudbuster in back, some new tires and replaced the stoker drop-bars with bullhorns, but otherwise haven't had to do much to it. My wife says she wouldn't ride it without the thudbuster, so I'd highly recommend allowing some space for a suspension seatpost when you size the bike.