San, I also measure about 26"-27" from collarbone to crotch point, and I'm only 5'3"! I basically have feet attached directly to my hip bones. :D
I don't have problems finding tops that are long enough, either. I do sometimes have problems with tucked in shirts coming untucked, but that has become less problematic since I switched to higher rise pants and jeans.
Where do you usually shop, and what sorts of tops are you looking for? Maybe we could recommend some that have been long enough for us, if you want.
On the blog entry today Tanya brought up a good point about petite shirts being short enough for skirts. I hadn't thought about that before. You may have to go up a size or two, and not every style will work for everyone, but it might be worth a try.