Naked bikes come without the tupperware (plastic body parts), and are usually cheaper to buy and insure, and considering that you are new, plan on having several learning experiences, over the first year of riding,
You may have to hunt around for a specially lowered bike, considering your height. In that case, look for a used small displacement cruiser, honda rebel is good. Most cruisers have lower seat heights than standards or sport bikes. You can help your self by wearing thick soled boots, but if you once start, then keep on wearing the same boots, since the ability to stand upright over your bike's seat becomes habitual, and you may find your self doing something less than graceful.
Imagine a stop sign, and you are approaching at a normal speed, with cross trainers on, and you have heretofore worn boots. So as the bike come to a halt, you stand up, but your feet slip [Leaves?Wet pavement? A depression between a couple of high points?] All of us have slipped on some sort of surface, and you have to be aware of the surface immediately around the stop sign in a fraction of a second. or splat! Down you both go. The best that can happen is you are still moving sufficiently fast to make an upright stop, but anything can happen.
You may want to lower the seat height by trimming the seat foam down to be lower/narrower, on even a specially adapted low height motorcycle.
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