So I'm older and grew up on 2 stokes and always said when i see RC on a 4 stoke that's when i will change so that time has come and gone and the 4 stroke is the way of the future. So about the rm125 is a fine mx bike and a race bike is the way to go. Anyone will tell you, u can trail ride a race bike but you can't race a trail bike so that is that get a race bike if you wan to ride on a track. Now all 4 brands make fine bikes i have owned them all. There is no reason to be brand loyal . Your size and weight are fine for the bike. The lower bike weight vs the four stroke could be a plus. All that about no to low low rpm power and clutch work and the need to be on the pipe at all times is all true but not necessarily a bad thing. Slipping the clutch and attacking corners high throttle will make you a better rider. You will probably never move up to a 250/450 being a woman and not getting much bigger.
So the biggest down side of the 125 on the trails will be fuel you got maybe 2 hrs a tank. you ride an hour out you better within an hour of you gas can. And hills with deep sand will work your clutch hard.
Now lets talk about buying a used bike....Its a buys game. It should start 1-2 kicks, be scratch free with no where spots on the case or frame. (signs of heavy use) You want a bike that has low use. And no more then 5 years old. Bikes that have been ridden regular need a suspension job bye 7 years in. You don't want any part of that. If it has race numbers you don't want it, even if its only a year old. Best case a dusty stock bike from a college student away at school or the "wife's bike".