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Just o let you know, my wife is 5ft tall and 103lbs. She has the same issue as you. The only solution we could find was to lower the bike. There is no way to back up a bike or be really sure you wont drop it unless you are mostly flat foot on the ground so if it starts to go over you can get some leverage to lift it back up same for backing it up.
Some people say that lowering the bike is bad. With the light weight you posted for yourself and the proper sag settings you should not have too many issues with the suspension bottoming out. The other main issue against lowering is that parts can touch down sooner that with stock ride height. Both of the before mentioned issues also depend on your riding style and the type of roads you ride on. People who drag their knees will have issues with the possibility of parts (exhaust, foot pegs) touching down at lower lean angles and if your riding area has really rough roads or speed bumps then this is not a good option for you. Since you stated that you can tip toe on the 650 the just dropping the rear 1inch and lowering the forks 3/4 of an inch should be enough for you to feel more comfortable. You did not state if you do/plan any track days or racing on this bike nor if you will be riding with a passenger on the back. Any of the before mentioned situations would be bad for a lowered bike but people have done it before with success. You have the option of lowering the bike till you become more confident and comfortable and then raise it back up as the changes are just as easy to reverse as they are to implement.
The extra weight will be a factor (at first) if you cannot stand flat footed or relatively close. You are the only one who can decide if it is worth it to you
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