All I can say is test ride... You may be able to find something with more sloping geometry that works for you standover height wise if you're not comfortable... Sounds like you need a long top tube... that can be extended by putting a longer stem on the bike. You definitely shouldn't be looking at women's frames, so if you are test riding wsd's or women's bikes, try the male versions of those bikes... they tend to have longer top tubes.

How tall are you?

http://www.sheldonbrown.com/frame-sizing.html


http://www.rivbike.com/article/bike_...izing_position