At 5'4" you shouldn't lower the bike. There are many riders shorter than you who are riding at stock height. You don't have to flatfoot with BOTH feet when you stop. Just move your body weight a little over to the left when you are stopping and use your left foot to hold yourself up. It's not that big of a deal and it will become natural to you. I know because I am about your height and had similar concerns, but realized very quickly that it is not a problem.
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