But it went on to say all be it its mostly a fashion thing now..that todays ladies bikes have other subtle differerences in design to compensate for things such as a shorter torso..and longer femurs..etc.....
I doubt that's true.
In high-end brands, you can find bikes that are optimized for mens' and womens body types, but they also come in a range of sizes so that you can get a bike that's just right
for you, not for an "average" man or woman.
If you're mainly looking at department store bikes, they won't really be optimized for anyone's body type, but you should be able to find one that's close enough for you. The seat post will be adjustable to allow for different leg lengths, which is the most important thing when fitting a bike. Sometimes the seat itself will be adjustable forward and back to accommodate different torso lengths and riding positions... though usually only by an inch or two, if at all.
And all be it of course I would rather have a bike that is more "stable" .. but at 110lbs Im not as concerned with that as I am the other advantages it seems I would have with the ladies design...
Rather than looking at differences between men's and women's bikes, have a look between different bike styles.
If you are mainly riding around town or on paved or graded gravel paths, you'd probably be most comfortable on a touring style bike. They look kinda like a mountain bike, but not quite as beefy, and they have a more upright sitting position. They're basically optimized for comfort, instead of ability to handle rough terrain (like a mountain bike) or aerodynamics (like a road bike or a "ten speed").
BTW - one area where the differences between men and women are more important is in the seat: if you don't find the seat you get with your bike to be that comfortable, you can get gender-specific replacement seats at any decent bike shop. There
is a real difference between men's seats and women's seats... however, most department store bikes will come with a generic seat, regardless of whether it's sold as a "men's" or "women's" bike.