I believe the standover height is how tall you have to be for the top bar not to whack you. Keep in mind that a lot of women end up on bikes that are too big for them. Also, they often end up with the seat adjusted too high. Most of the advice online assumes you're a guy. If it turns out the seat is too low, you can adjust it yourself pretty easily on most bikes. But if the frame is just plain too big, it'll be hard to do things like stand at a stop sign or adjust your seat down.

Good luck at the bike shops .