You got my curiousity aroused. I measured my middle finger and from the lower crease to end of my finger tip is exactly 2 3/4". This is really starting to feel weird! I know I had the same concern when I started many years ago. I must say, I really haven't thought about it lately. Like the others said, I think you get use to it and adapt. I think one thing I do is I keep my thumb a little below the centerline of the neck and curl my hand much more than other players. I notice some sort of rest their thumb on the top edge of the neck. I couldn't do this.

Also, when playing some new chords that require a lot the stretching and a large spread of the fingers are very difficult. Those are the chords I work on the hardest and in time it becomes easy.

There are smaller neck guitars, but it may limit you to what brand or sound you want especially in an acoustic. I think if you just practice and adapt you can play any guitar. I'm not a professional or even a big performer, but I can play (at least so far) any guitar. There are some that are more comfortable, but like we said, you adapt.

Good Luck!