Truthfully, I wouldn't get too hung up on "men's" vs. "women's" bikes. Buy what fits. Based on your self-description of long torso and wide shoulders, I'd probably steer you towards a "man's" bike, because as a rule, it will be longer in the top tube than a "woman's" bike with similar standover height. Also, women-specific bikes (especially the smaller sizes) often have shorter crankarms and narrow handlebars, which are great things for more petite women, but don't fit everyone.

I would try a bunch of different bikes, mens and womens, and see what feels better. Pay attention to things like reach, crankarm length, handlebar reach and width. You'll begin to get a sense of what feels "normal", and that will help steer you towards the right ride.

FWIW, I'm 5'5" with a ~33" cycling inseam, and I ride a "men's" 49 cm Bianchi that fits just fine.

Good luck bike hunting- post an update when you find your new ride!