Thank you again for the replies everyone.
I went to a local shop that deals a lot with Surlys and they were kind enough to size me up and tell me that the Pack Rat would indeed be too large for me. My inseam is about 33" (840mm).
So, I'm just continuing my search and did come across this bike. What do you all think? I think from Googling that the size is pretty good? Possibly large? It has many of the features I've been looking for (rear rack, bag, fenders, etc.). However I think that $1000 might be a bit high? It looks like this model goes for about $900 new. Although the owner added components as well, so it's possible that the components are expensive?
Also, it's been up for 13 weeks...