And you're using fenders? Oof. I don't know how much that bike cost, but I'd seriously look into a custom frame for next time. It might be less expensive than you expect. As someone else mentioned, the selection of bikes for people that aren't very tall is basically non-existent. If you're like me and want to use wide tires, fenders, actual decent geometry, and not have huge toe-overlap, custom is unfortunately the only option. At 5'9" I can do all of those things with 26" wheels. At your height, you'll have to compromise on one or more areas because there aren't any decent 24" tires on the market that I'm aware of.
Having two custom-frame bikes, I could never go back. There's nothing being made today off-the-shelf that fits my needs or is even remotely interesting to me.
Here's my titanium commuter. It was something like $1200 for the frame and fork. Full custom, everything I wanted.
