Personally, I think the open grip, low comb & heel, and forend flimsiness of the Ruger Compact, Tikka, and CA are not good options. I would swap stocks immediately for any of those. I haven't owned, but after handling a few different Sig Cross's, I don't have a lot of confidence in their chassis to remain locked-up solid. You are also married with the Cross as there is basically zero aftermarket support.
I'd look at something like a Manners LRH and have manners actually build it with the correct length of pull and with the action inlet moved rearward for a proper grip-to-trigger length. If you're looking to share the rifle and/or if your wife is really short, something like a Manners CS/2 or an XLR Element with TLR2 may be a good option.
As far as ammo is concerned, I don't think it's even a question between a 6 CM and a 243. You get better options for cheaper with the 6CM. Apples to apples, the 103 ELDX is a better bullet than the 90 ELDX. From a very quick search, the 90 ELDX is going to be about $550 per case, and the 103 ELDX can be found at $330 per case. There's available options in 6 CM from Berger, Prime, several good offerings (that are available) from Federal. Heck, I think you'd be better off with a 6GT than a 243 in terms of factory ammo price, availability, and quality.
I'm starting to see 6.5 CM ammo prices come down as well. Cases of 143 ELDX can be found for about $375, 147 ELDM is $350 per case, availability is popping up for Berger 140 & 144, Federal loaded Berger 130's are around, etc.