Just to be that kind of guy, I'm going to jump in here and say that it doesn't matter if there is overlap. My gf is 5' and alternates between a 4" Wahlanders belt (Swedish make) and 2,5" Best Belt (which you can order in a bunch of different colors and they're all very well made). There are also numerous short women competing with 4" belts with - at least by the looks of it - no problem.
However, with that said, it is unfortunately one of those YMMV things, where you just have to try out a bunch of different widths in order to be sure what works for you.
Best of luck!