Classical guitars are distinct in that their standard method of play is notes all over, so there's a wide neck to allow you to fret one string without accidently sounding on another. Steel-string acoustic designs are designed more for strumming, so the neck is narrower, which is closer to what you want. However, the more popular body designs for acoustic were created for projecting loudly, which means big and wide. Presuming that your small hands are relatively proportional to your body, I'd say look for a 00 or smaller guitar, or maybe a Taylor Big Baby.
Electric guitars are easier in oh so many ways. One of the iconic figures in rock is Angus Young of AC/DC, jumping around in his schoolboy uniform with a Gibson SG. Angus Young is a short man with small fingers, and he's playing on a standard SG.
Depends on what kind of playing you want to do, whether looks matter to you, and how much money you want to spend. A lot of the "shredder" brands like Ibanez, Charvel and Jackson use neck profiles that are "fast", by which they mean skinny, which should work well with your hands. The SG also has a skinny neck that at least Angus thinks works well with his small hands.
The tuning of guitars is such that heroic string stretches are rarely necessary.
3/4-size instruments are generally designed for young people who are not finished with their growth spurts, who will want to step up to the next guitar fairly soon. They are not of the same grade as full-size guitars.
ETA: Another thing to add is scale length. Fenders generally have a longer scale length of 25.5", which makes the reach harder on the lower frets, while Gibsons have about 24.75". Normally I see that discussed about string tension, but it works toward hand size.