thanks so much for the info! i've been looking at some of the posted links, and they're really helpful. i checked out OTN a little, but haven't joined yet.
also, are there any 24" frames with no seat? i first thought a 20" would be good for me, but i think i'd like to be able to use it for going short distances to get to places to ride. i have a road bike for more normal riding, but i don't want it to be a huge pain to ride a mile.