Just as a comparison - I'm 5'4" and have a 28" inseam. I have a long torso and short legs. Since I'm 5" taller than you and we have almost the same inseam, I'm going to say that you have long legs and a shorter torso - or more typically female dimensions. I would think that in general a WSD would be right for you and a 44cm is probably pretty good.

That said, as you have found, there are tons of tweaks that can be made to a frame to get the fit right...so even if your base frame is correct, it is possible to be super uncomfortable if your fit wasn't well done.