Canon,

Reach can be adjusted somewhat with the length of your stem.

What do you currently ride and how upright do you want to be?

I don't have a cross check, I'm 5'1, definitely not longer legs, proportionate torso & arms. I do have a 42 cm surly pacer. I really would prefer to have a longer top tube than the one that's on the surly, but it's okay, I just have a setback seatpost on it & a long stem on it. I've prefer a much different seat angle than the 75 that's on the 42 cm pacer. It's just my commuting bike, so it's set up well enough that I'm okay on it.

My road bikes have about a 46-47 cm seat tube to the top (my seat's usually at 50-51 cms), and have about a 540mm top tube, with me sitting fairly upright, so I don't think the reach is a problem on the 46 cm cross check, and the 75 degree seat angle on the 42 cm makes me think that I really wouldn't want it.