Actually, I'm not on a womens specific bike because the ones I tried were all uncomfortable for me (I dont know why). Then I tried an XS TCR and although I had to jack the seatpost up, it felt like it was made for me. I ended up buying the TCR T-Mobile frame because I wanted to build my own bike.
The last bike I had (outside of my mtn bike and my current OCR) was a Bianchi 48cm cross bike (actually the frame was a Bianchi, the rest of it was custom built). The reach was just too long even with an uber short stem. On that bike I had a 172.5 crank. I ended up selling it because I just couldnt get the reach to fit me, but the crank felt ok. My mtn bike is a 172.5.
The other hard part for me is that I have fairly wide shoulders for my frame so since I tend to want to be on a wider bar and that brings my stem even shorter.
Yes, I've been told I am a bike fitters nightmare and I am going to remeasure my inseam.
Thanks for all the input, it has been very helpful!