I don't have my inseam measurements on hand, but I'm only 5'1" (on a good day!) and I very comfortably race on a Surly Cross-Check. I have a long torso too, so presumably there's not much left in my inseam
Is there a local bike club around where maybe you could find a used cross bike to buy or test ride? That way you won't be making such an investment on equipment before you've gotten to try out the sport! (I mean, I'm sure you'll love cross because it's awesome, but there's a lot of great used bikes out there for cheap!)