I currently have a 50cm and It feels a little big for me for my build 5'4.5" 160. I replaced my stem to a 60-70cm (from a 90cm) and moved the seat forward and It seem to fit me better. I'm just wondering If a 48cm frame would fit me better so I don't have to get a real short stem. What is the trade off of getting a too small of a frame? Thanx in advance.