During the course of your searches, did you come across Lois on the Loose and her XT225?
I think of the bikes you mentioned, the XT225 is the best all-around bike for you. (darn, it's hard to say that when I like my DR200 so much)
Hmm, you're 5' 4", maybe the TW200 is better for off-road for you. But the XT is a better road bike.