I didn't spot your reply before posting mine. They forgot to mention making the necessary changes to fit a mans bike for me would be costly!! Back to plan A and look for a WSD for me then....
Also a female here as well and I have not found the necessary changes to the bike costly. I just posted a note in the wanted forum on the off chance and was helped out amazingly well. If you look at what is in the for sale section at the moment, you will see there are plenty of bits if you feel like taking on the challenge yourself which is what I did one Friday afternoon with the help of many CC's and links to videos etc, and I was fine. I will add I have not changed the saddle over on my road bike to a female specific one, to date I have not found the need, I am still on the men's saddle on my mtb which I am tolerating at the moment - only had the bike a week, but do have a female specific saddle on my tourer. All 3 bikes are men's bike. I find I have longer legs, with a shorter reach coming in at 5'5.5"...
My mountain bike is a 15.5" frame - Ideally something like a 16.5" frame would be better, but I have had 17" frames in the past and shortened the stem, the current bike needed a longer seat post that had no off-set. Changes cost £70 - it could have been done much more cheaply online if not using the bike again next day on a Sunday, so I could have done it for around £30 if I was able to wait a couple of days.
My tourer has a shorter stem which was part of the inital cost - buying it included a bike fit & 100 days of swap out on any part to get the fit correct. The sizing on that is specific to the manufacturer so of no use here. Changes cost - nothing
My road bike is a 54cm frame, I have marginally shortened the stem, and fitted narrower bars (by 2cm) nothing more. Changes cost £10. I don't count the cost of the bar tape because it was due to be changed to something more comfortable anyhow.