I am also "blessed" with a long inseam & short torso. There are still some good tall steel frames out there. Unfortunately Trek shrunk the 520. It once was available with a 25.5" frame. Also, I think they shrunk the quality some. I recently picked up a steel Atlantis (Rivendell), and I really like it. You may have to get an unusual stem to make a good fit, no matter which bike you end up with. Atlantis frames are available up to 68cm.