Back to the main issue, though. I understand your problem, since I had it myslef. I was looking for a frame that would fit 28" wheels of at least 1.75" width, preferably cro-mo for durability. I searched for ages and the only stand-alone frame I could buy was a 10 year old Trek, quite similar to the 1994 SCOTT FunXC (pictured above), with a roadlike narrow back fork. Finally I came across a decent frame of a European make called AUTHOR (model "Airline" - don't ask me). Although not cro-mo, but alloy, this 22" frame is made of tough Columbus ZONAL tubes (see Columbus web site), has all the fittings for water bottles and racks and what-nots, a removable derailleaur hook, etc, and comes at a reasonable 1800 grams. Cost me an equivalent of 170 bucks. Most importantly, the back fork has a clearance between the tubes of about 80 mm, plenty of room to fit even a 1.90" tyre. I'm currently building my wheels on Mavic 719 rims and DT Champion 2mm spokes, should do well in the future.
By the way, if I'm right in assuming you are from the US, do you have AUTHOR dealerships there?
Regards,
Rafal Felbur (Poland)