If there is any possibility of your good ladiy being a little timid. Then avoid the Hornet (Jill's first bike was a hornet) and the SV.
The hornet is incredibly buzzy (throttle happy) which can be extreamely intimidating to a nervous rider. The SV is very snatchy in first and also has a very poor steering lock, which won't help either.
However, If your lady is quite feitsy, into down hill Mountain biking, Three day eventing atc, then go for it they are both great bikes.
Although the Hornet is quite low already. It also has quite a long reach to the bars. I never even tryed lowering it.
Lowering the SV is possible but involves work directly to the rear shock, which cannot be undone. You may be able to get Kouba links, I'm not sure. When I did one of these the lady couldn't afford such luxuries.
I've spent years teaching ladies (and blokes) to ride bikes and telling them X is good Y is a bad idea, only to discover later that I was infact 'as a man' completely wrong.
Val.