I'm looking for a good touring bike to use for both casual road rides and fully loaded tours. As a 5'4" female I've had trouble finding a small-framed bike that doesn't have the front wheel/toe overlap problem (when pedaling a tight turn) or brakes that are hard to squeeze from the hoods (I've got small hands). Terry bikes are a bit out of my price range and I don't like the idea of two different wheel sizes. Are there any touring fans out there who can recommend a bike that fits small women? Also, does anyone have an opinion on touring bikes with flat bars? I've been riding a mtn bike for years so the whole road/touring thing is new territory for me.