My roommate just bought a Fuji touring bike where the frame fits her perfectly but the reach on the handlebar/shifters are too long.

The sales person suggested keeping the shifters (standard shimano tiagras) but just changing out the bar to a Salsa Poco. I'm sure if you found a great fitting frame you could do something similar.

I know a lot of women like the Poco or the Short and Shallow because they come in narrow widths and shorter reach (of course). It would probably be much more effective than switching out the stem.

I too am in the market for a cross bike but can't afford a Terry
We need more bike companies that make women friendly cross bikes!