Nothing wrong with a youth bow, I could suggest a few if that is what you want. However your draw length and weight does not limit you to a youth type bow. Many companies make very nice bows in that range. I have a bowtech mighty might that is set to 26 inches and around 55 lbs. And now they have a new bow called the Equalizer or something that sounds even better for short draw archers.
My girlfriend just got a new rintec that is very nice as well.
Having the bow at peak weight is not a real big deal in my opinion. Sure it may be slightly more efficient maxed out, but I think you are splitting hairs at that point with the newer bows. Especially with a shorter draw length. My mighty might is still very effecient at the lower limit of the weight range and a 25.5 inch module in it. When did all the math figuring for loss of draw length, draw weight and arrow weight it come out in the advertised IBO speed rating for that bow (around 320 fps), towards the upper end actually. As far as accuracy and noise goes I own about 5 bows and non of them shoot or handle any different regardless of where the limbs are as long as they are tuned. Well they draw easier of course

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The main thing to consider with a youth bow is most are not real effecient to begin with, but they offer a lot of adjustability. If are looking to get serious about archery and want to hunt I would suggest looking at a bow geared towards an adult small draw archer rather than a true youth bow. It will cost more money most likely though.
Look at as many as you can first, don't just go with the first thing you shoot because it felt ok. It's really hard to tell with nothing to compare it to. I would suggest looking at the Hoyt Rintec if you want that type of bow. It's about the best womens/youth bow I have seen in the past few years. You can get them cammo for around 300 dollars in my area.
Paul