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Thanks, Trisk. As it turns out I have perfect Knee over Pedal Spindle (KOPS) position on the Trek -- we just checked it. It looks otherwise on the photo because the crankarms aren't totally parallel to the ground. I think we had set it up in the spring when I first got the bike, but we had so much going on right then with moving that I honestly couldn't remember if we had or if we'd just meant to. I have the same body type as you with long femurs for my height, so I always need to have my saddles back as far as possible on the rails AND a setback seatpost.
I measured the stem, and it's already only a 70 or 75mm one, so I certainly wouldn't want to go any shorter. I will probably just keep things as is since I am comfortable for the amount I ride on this bike. If I were to get into some longer mileages, then problems might start showing up, but I ride my MTB a lot more these days anyway. The effective top tube length of the Trek is just 19.5", so in theory it should be a good fit for me. It was also the smallest size this model came in back when it was made.
Emily
2011 Jamis Dakar XC "Toto" - Selle Italia Ldy Gel Flow
2007 Trek Pilot 5.0 WSD "Gloria" - Selle Italia Diva Gel Flow
2004 Bike Friday Petite Pocket Crusoe - Selle Italia Diva Gel Flow