........ I fell at the first hurdle; CLEARANCE ! I don't have sufficient 'clearance' to stand astride the bike with both feet on the ground. I've 'got away with it' so far by pushing off with one foot on the LH pedal and then swinging my leg over as the bike gains momentum. A few wobbles and then I'm away! To dismount is more tricky. When I brake, I lean over to the left to reach the ground with my left foot and then swing my right leg over.
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It seems to me that my saddle needs to be higher (to give the correct 'reach' with my legs) and the 'crossbar' lower to give me clearance. Is a step-through the only answer?
Don
I'm quite small too, 5ft 5" and 29" inside leg, but my bikes fit me. The problem you have is that the frame is too big. You need a smaller frame so you have the clearance over the crossbar, and have the seat higher to give you the leg length so your leg is almost straight at the bottom of the pedal stroke. Bikes with a sloping top tube are more user friendly for that.
In normal bikes you usually get a good selection of frame sizes to get the best fit, but I've noticed a lot of bikes have a one size fits all type of frame. Some will fit better than others when you look at the frame design, one with a sloping, or curved top tube will suit a bigger range of people (just adjust the seat up or down), than a bike with a horizontal top tube.
The Fast4ward Peak I recently got it like this, the top tube sweeps down in a curve towards the back wheel, so it's quite a way from you. This gives a lot of adjustment of the seatpost height to suit a good range of riders. I find it fits just as good as my Univega, which has a small 17" frame for lots of crotch clearance, and a long seatpost to give the leg length.