They build really good bikes and are great value. You get a lot of bike for your money. Speciallized that makes the Sirrus line of bikes is also a very reputable bike company. Both companies small bikes use 650CC wheels as opposed to 700CC to minimize toe lap. The smaller LeMond bikes are also great for women even though theyare not specifically designated for chicks.
Most women have shorter torsos and longer legs than men.
I am less familiar with Specialized bikes. I am really not a fan of Terry bikes. I don't think the smaller wheel in the front is a good idea at all. As for bike type, I'd recommend a touring bike. Like I said, I rode my Trek 1220 for about 15,000 miles and loved it.