I also am built with long torso short legged and pear shaped. I do have some mens jerseys which I think cover length good but some of them are snug at the hips (the ones with full length zip) on me but as long as I dont get that ride up of the jersey and have odd tan lines on my back, I am good. I try to purchase higher rised shorts too. The womens jerseys that I do have I have ordered a size larger than normal and seems for the most part to solve the issue. I have problems with the tank tops, they seem to ride up or are shorter in general. The tri tanks are like me wearing a slightly oversized sports bra and are impossible for me to wear..I don't want to cause too many frightening accidents Good luck, it's kinda like a trial method I think when it comes to purchasing biking clothes..but give TE a try, the staff I think goes above and beyond to help satisfy the customer.