I am not sure where that comes from. Again, my wife is your height, and rides a 26" wheeled bike.

That Schwinn has a low stand over, and should work. Know that Wal-Mart bikes typically do not come in various sizes, while a "real" bike from a bike shop will have several options.

This Myka hardtail (made for women) is $400 list, and could be has for less at the end of season. I would take the next month and try to scrape together another $150-200 and buy that.

http://www.specialized.com/us/en/bc/...=38429&eid=107

The Hardrock is cheaper, if flower's aren't your thing:
http://www.specialized.com/us/en/bc/...=38434&eid=107