I'm 5'3 on a fantastic day, just drop through the yokes and I didn't look but tom did and assured me it's easy to lower the back, to be fair 5'4 and such a light bike I think you would be ok, I didn't sit on it maybe I'd be ok.
Oct delivery now for my FT6, been a long wait, I ordered mine 10 months ago. Gold spoke wheels, single headlamp, twin discs and a few other nice options...
1st service is 500-700 miles and then every 3500miles. will probably only get about 1500 miles out of a really sticky rear tyre. Other than that i couldn't tell you if it will be high maintenance, shouldn't be as i'll be doing mostly the servicing myself.