let me summarize abad's points in one...

get the surgery where they cut your shin bones and then slowly trick them to healing together and the pull them apart again and do that until you get to about 5'6"...before you waste money on lowering your bike...haahah...

how do you ride a passenger if you only one leg it?
oh wait...the passenger will lower the bike tons...but say...you are like 4'11"? or 4'4"?