Yes the monster should be able to be lowered, mine was.
yeah the Gladius was one of my first choices but then sat on the Suzuki 650s lol I have the luxury of time ,3mnths till get my full so will be sittin on and riding as many as I can I suppose.
Have you thought about the new Triumph Bonneville that has smaller wheels and a lowered seat? Or, Suzuki Gladius, if you prefer sporty? - not sure of the height on those things though, but seem popular with the ladies.
The Suzuki 650 gets very good write-ups both by owners and in reviews. Know one lady with a Hyosung 650 and very happy with it. Sit on both & see if you can test ride them. Then go with your own feelings. You won't make a mistake. Have fun looking. Cheers :-)
If you want reliability, Japanese bikes are generally easier to live with than other bikes (Korean, European). And if you can't sit on it, don't force it.