Couple of questions:
Why are you thinking a cross bike? Since you say work, I presume you want to be able to carry stuff? Cross bikes tend to have taller standover and longer top tubes than other bikes (generalized here) - and they can be more of a challenge to fit for smaller riders.
If you want to bike in cruddy weather, you'll want fender mounts. Do you want your bike to have this? (this knocks out most mass manufactured "stock" frames). As would a rack if you want that.
Congrats on wanting to get more into riding!
CA
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