I also have a very long torso and short legs. My bikes range in size widely because I'm a bargain hunter and I'm not picky. I think my smallest bike has a 54cm seat tube, and my biggest has a 58cm seat tube. On the smallest bike, I was uncomfortable leaning over so far, so I put upright handlebars on it. I still lean forward, since the bike is small.

I'm 5'9" or so, and my inseam in jeans is 30 inches. When I sit in a chair, I'm taller than most people.