I agree that you should ideally ride as many bikes as you can get your hands on. I would suggest that you look at some women-specific bikes, too. Are the bikes you're considering at a shop? If so, they should be willing to spend some time with you to get a good fit. If they're not, shop elsewhere. And unless you have a really good handle on what geometry works for you, I would encourage you to work with a shop or shops in finding the right bike and avoid buying online.
With your height, I'd be really surprised if you needed a "small," even in a men's bike. That said, men's geometry may not be best for you. Inseam only tells part of the story when it comes to fit. The length of your torso and arms, along with your flexibility, are important in determining a bike with the right "reach." Of course, there are other measurements on a bike that may make one more comfortable or handle better than another, too. Seat tube angle, wheel base, stem length, etc., etc. Some of that you can dial in, some of it demands that you get the right size bike to begin with.
But to answer your specific question, a couple of centimeters is actually a lot when it comes to bike fit and can make a tremendous difference.
Live with intention. Walk to the edge. Listen hard. Practice wellness. Play with abandon. Laugh. Choose with no regret. Continue to learn. Appreciate your friends. Do what you love. Live as if this is all there is.
--Mary Anne Radmacher