First a question for you. How are you measuring your inseam? This is not a pants inseam, this is a measuremnt taken either by a skilled tech in a bike shop, or you can do it on your own by pressing a book into your crotch, with bike shorts on and barefoot, marking the spot on the wall (you want to get the floor to pubic bone distance) and measuring. Let us know this number and we'll answer more specifically. If you really have short legs and a long torso, then a guys bike will fit you better, but then finding a guys bike with enough standover height may be hard, but maybe a compact geometry frame will work for you as it has more standover clearance.