I'm 5'2" and all 4 of my bikes have racks on the back so they can be used for transporting stuff if need be, even my road bike and 13in mtn bike! My two touring frames (LHT and Randonee) have longer chainstays and less chance of heel strike with large panniers. I can put small panniers on my road and mtn bike.
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Gunnar Sport
Specialized Ruby
Salsa Vaya Ti
Novara Randonee x2
Motobecane Fantom CXX
Jamis Dakar XCR