Which type of bike for me?

[Eden]

Any of the bikes designed for loaded touring (which are more likely to fit you in standard sizing than a cyclocross bike)

Actually, touring frames come with another set of problems for smaller riders.
Even very small frames, like the 42 LHT tend to be longer (in both the top tube and chainstays) than a comparable performance style frame. Having a longer wheel base helps create a more stable bike when loaded, but for us little people it can mean being way too stretched out, even on the smallest of frames.

As far as cross bikes go, the Jake 24 is kind of tiny, but the Redline Conquest 24 is a bit bigger and a surprisingly good fit for me. REI also has a very reasonably priced "kids" cross bike with 26" wheels (mt bike wheel size - similar to 650's on a road bike) I'm 5' even, short torso, so otherwise I'm on the smallest of stock frame sizes - 44cm with 700c wheels, a 47cm frame with 650c wheels.