You might have to go custom with a jacket, then, which totally stinks! The reason why is that manufacturers create apparel for the "average" person...meaning if you lift weights, drink too much beer, are too tall, too short, or any number of things that manufacturer's don't account for, then it's hard to find something to fit properly.
That being said, try on more than just one brand (if you are in an area that has more than just Joe Rocket). All gear fits differently and you may have to do what I usually have to do...buy what fits me, not what I like the best in terms of design or color. I'm in the opposite boat of you...I'm 5'0" and my doberman is taller than my inseam! My inseam is 28"...try to get comfortable on a bike or find anything that fits!
The best thing to do is go through everyone's fitting charts (I've got some of them on our site here Size Charts
) and see what brand might work for best for you. If you can't find something, you may need to have something made.
I know it's more expensive for you that way, but it's a lot cheaper than hospital bills!
I wish I had a better answer. If it makes you feel better, this is what I want to do when it comes to buying gear for myself: :bonk: