I race a Kinesis Crosslight Pro5. I am 166cm (5’5.5″) tall and ride a 51cm C/T with a 53.5cm effective top tube, coupled with an 80mm stem and inline seatpost.
My backup cross bike shares the above setup.
My road racing bike (also kinesis) again has 53.5 cm effective top tube, inline post and 100 mm stem. You can see that I have my cross set up to be 20 mm shorter than road set up.
And finally, my road training bike has smaller 51.8 cm effective top tube, layback post and 100 mm stem – and that fits like a glove!
Think more about the effective top tube than the seat tube length. Also, as said by aP, get down to a LBS and try similar sized cross bikes.