I went today and tried out a 20' and a cruiser at a bike shop. I am 5'6"...not tall at all and I feel like I have less control over a bigger bike. I didnt mind the cruiser at all...I just dont feel like I have control over it as well as a smaller bike, especially up to speed...
I will definitely buy local...there are two shops in my area that have been fairly helpful....just gotta decide on a bike now...