When you go in to test ride bikes, throw a leg over bikes - take a tape measure with you - I use a pocket size soft tape measure (used for sewing mostly I believe) and it helped me figure out a lot about the type 'frame size' I wanted - being 6' I thought I would be a large or even XL frame - nope, I'm short in the legs (32" inseam) and I fit best on medium frames - just don't hold it against me! LOL
The main goal of the store visits is to visualize yourself getting on and off the bike, riding the bike, getting the feel for the bike. Nothing competes with an in person visit to the LBS's nearby for this. Who knows, while there you might find a bike you are drawn to and within your budget, especially if you shop around a few stores.
I suspect that visiting another store or two and getting some practice putting your leg over a normal frame versus the step thru will really help you make the decision. Even with a few thousand kms under my belt since last year I still have to remember to lean forward like a superman pose, lift my leg up high like a dog about to do his business and throw my leg over the seat at the height I like and with my short inseam. Do this a few times yourself at the next LBS and you will know if it's for you or, if not, a step thru may be your best choice.
Last quick note - as per another thread recently in the forums, bike inventory is depleted everywhere as there is a lot of desire for bikes this year with everything going on. If a store seems to only have a small selection of bikes and priced higher than what you're comfortable with - talk to them - they likely are just waiting on orders to come in when the backlog starts to clear up from the suppliers overseas.