Soma do a frame only Buena Vista mixte style sport-touring road bike.
These guys do a shop build with Shimano 105
Dont worry about using steel by the sea, wax the frame with car wax, the inside should be treated with framesaver and it will not corrode. My steelie lived for 2 years, 24/7 outside with regular seafront rides in winter.

Cannondale are usually good for womens bikes but this year they dont do anything skirt-friendly and quick.

Koga Miyata are good but I dont know about a US source.. Their stock Sportslady model does what it says and costs about £1300, approx $1400. The Lightrunner model has more tyre clearance and heavier duty build.