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The frame geometry of women’s specific bikes accommodates for shorter legs and arms. There are also women-specific saddles that are shorter and wider to accommodate a woman's wider pelvis. Others have a center cutout to relieve pressure on soft tissues.
Remember that it is important to fit the bike to the rider not the other way around. As we age, we are less flexible so you will be more comfortable in a more upright position. Consider a professional bike fit to improve comfort and performance.