What I have noticed is that when my reach is too long, that my body will scoot forward on my saddle to try and make up for it. That creates two problems. The first is that I may be so far forward that the saddle is no longer wide enough to support my sitbones where they hit, so the saddle supports the soft tissues instead. The second is that my knee falls too far forward of the pedal axle, reducing the leverage. So, for me the answer is a bike with proportional sizing, a top tube proportional to the seat tube. Sounds like a no-brainer, but often a problem on smaller sized bikes, as we have all discussed many times here, and why I ride terry bikes.