Just another suggestion. This might be out of your price range but the dollar is in your favor and no GST. Here in Australia this company "Vivente" has been around for a time and specialize in touring/commuting bikes. I cannot give enough praise to the company owner Noel who goes out of his way to ensure his bikes are well suited and well made. I can say they are beautiful and likely to attract some attention which was one of the OP's requirements not to. But they do make these in an XS size.
https://viventebikes.com/our-bikes/