10" ?? wow if that was/is true I would never get a bike to fit other than custom made. I ride a compact frame in the smallest size trek makes (43cm) and my seat post is out 5".(I'm 5foot tall) I would be more concerned with reach. The best bet I've found is to find the top racers in your area and ask them who/where they go, who their mechanic is! Everyone I asked where really,really helpfull!! (Wouldn't have anything to do with being female? )