I've read the size charts but I need some opinions. I'm a 5'3" female. I want a Kilo TT as kind of an everyday knock around campus bike, but I think I may be out of luck because of the size. Do ya'll think a 50cm would be too large? I have a ridiculously expensive road bike that is 49cm and fits fine, but is not the kind of bike you ride on a busy campus. But the stand over height on the Mercier chart for the 50cm seems a bit high? Should I go with the Motobecane Messenger or Windsor The Hour instead?...and which one of these two is the better choice? Help! Please!