13 year old girl is probably not going to grow taller - women mature earlier than men (in many ways!) Women also tend to have longer leg to height ratio. 99% of the BF CVer's that post here are men, so we're used to sizing mentally as if they were men.
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If someone tells you that you have enough bicycles and you don't need any more, stop talking to them. You don't need that kind of negativity in your life.