You're right, it does sounds we're built very differently. I definitely have wider shoulders as I have issues finding women's clothing that fits properly. I do have a favorite brand (Columbia) which the large and X large shirts fit well, but now I live where I can't find that brand of clothing so I just shop in the men's dept. Actually all my coats and jackets are men's because it's impossible to find a women's coat that fits right. If I find one with the right length for the arms the shoulders are way too tight, find one that fits the shoulders and the arms are way too long. And actually the same goes for the cycling jerseys, I found one women's jersey that fit, but my other ones are all men's. Heck most of the women's xlarge jerseys are too small in the shoulders, so I end up looking at the men's and usually end up with men's medium jerseys. Of course that is one reason I do not like our LBS they seem to think that if you're female you have to have women's accessories, clothing, bikes ect.

Come to think of it, it sounds like you're built more like my one sister is, very petite. She'd need a WSD bike (very narrow shoulders, short arms, torso, and legs). My other sister is a bit taller than I am (5'4"), has longer legs, long arms, longer torso. She and I also both have wider shoulders.