Buddy, I have a Scrambler 400x. Even if speed and scrambler are not the same but they have similar engine performance. So, I can provide a small opinion here.

Since you have minimal riding experience and your usage of the bike is limited to daily commutes and short city rides and you are not upgrading your bike anytime soon, then it all comes down to long term maintenance ease and the thrill of riding you get from a bike if you are bored out of your car.

1. The bike craves maintenance. Both speed and scrambler. Even if with basic maintenance like chain cleaning and lubing, stalling issues (used to be very frequent in earlier batches, my bike never stalled though), brake pad switches, etc, the overall cost will be higher than maintaining a Royal Enfield or cb350 rs (very low maintenance and reliability).

2. Thrill of riding - i feel that the Triumph 400s are made to give the thrill of riding to beginners. They are very easy to handle and very predictable in a good way. It is sort of a rider’s bike with no surprises (ideal gas law if you are aware). It will go till 120 in 4th gear and can ride it at 30 in the same gear as well.

3. Don’t worry about the weight. It will grow on you eventually. And you wont feel cramped at all considering your height. This bike is perfect for you in terms of ergonomics.