Something like my V-Rex, which has a moderately-reclined seat, would probably be a great solution to your neck problem. This pic of me is on the RANS website. It has a 20" front wheel and a 24" rear wheel, while modern ones have a 26" rear. V-Rexii are not the fastest bents out there, but neither are they slouches. I turned my first 2.5-hour 50 miler on this one. And rider satisfaction is enormous. Moreover, almost anywhere you live, a dilligent search will turn one up for a test ride.