I know you don't want to hear it - but a fitting would be a good option. There's no need for it to cost $500. A basic fit will be around $100 and can usually be included with the purchase (as stated above).

Also - how long have you been riding? Feeling stretched out is not unusual if you're new to road bikes.

From what you've said it sounds like you need a really long headtube That would get the bars higher and closer to level with your seat without a long top tube. I would try the Specialized Roubaix but I don' know how much that differs from the Allez.