I did some legwork tonight comparing the geometries of the more common bikes that came up in this thread. Unfortunately I couldn't include Premier as only a range was provided on their site.
Blue = Good (ie: low end of the range)
Red = Bad (ie: high end of the range)
Conclusions:
-Felt IA and Quintana Roo appear to be the better overall fit for shorter riders who want to stick with 700 wheels
-For very short riders, the best option looks like the P3 size 45. Nothing else that's widely available comes close.
-Trek Concept "Small" is significantly larger than the other brands
Hope you guys find this helpful. Based on this chart alone, I'm leaning towards the Felt since Quintana Roo is hard to find in Toronto.
Next step for me is getting that bike fit this week to see where I land.