Thanks for all the input!
I went to several LBSs to test out fit on various models (what they had available in my size). I looked at the Surly LHT, Soma Buena Vista and Salsa Vaya but the geometry seemed too big for me. These were my steel frame options outside of custom.

So, I did a bit of research on aluminum and found many opinions saying that for someone of my weight (95lbs), aluminum is fine, so I looked into some. I test rode a 44cm Bianchi Via Nirone 7 Dama Sora and a Terry Symmetry. I discovered that I definitely felt more comfortable on the 650 wheels of the Terry, the Bianchi just seemed like my center of gravity was off. So I've established 650 wheels as a "must have."

I'm 95% leaning toward the Terry Symmetry because the 44 x 50 size seems to fit me, from the handlebar width, to the top tube, to the standover (with shoes I have at least an inch), and the components are good and fit my small hands. I also admire Georgena Terry's philosophy and like to support female pursuits. I wish I could afford her custom steel made in the USA bikes, but for a newbie rider, I think getting a Terry Ready-to-ride bike is the next best thing for now.