You should make more those holes in the fenders so you have a short enough leg! But then you can only go up so far doing that as well, so if you're short enough another option is ordering some child size fenders. My western is a synthetic and I had to add holes to the fenders (fun fun in nylon, I used a drill then a lighter to finish the holes) but if I purchase a leather I think I'll need to order some child size fenders. I'm 5'3

Before you criticize someone walk a mile in their shoes. That way you'll be a mile from them, and you'll have their shoes.