Sorry to intrude ladies, but I have the Ammo "S". I'm not a chick, but I'm very similar in dimensions, and I love my boat!! I've taken it down some not so steep creeks (eleven mile/ foxton, etc.) and a little big water (westwater/shoshone), and it handles very well when I can stay in it!! I think the boat handles great in the water, but the driver could be more on their game (me)!!
It surfs for sure! NOT a playboat though!! For gear, sacrifice the floats, and you have lots of room! I still use floats because I'm a "SWIMMER", at least I was!! (hopefully I can redeem myself this season!! Ha Haa!!) The boat is wide though, compared to other's I have sat in! Demo one first!!
Go to Golden River Sports, or any other Pyranha dealer and see if they have a small Ammo for demo. The medium is too big for you, unless your gonna pack that sucker down!! Then you might have weight issues??
Definitely try one!!