Just checked a couple of my bikes - my smallest "road" bike that I commute on, I can barely clear flatfooted barefoot. I still touch the top tube, and I think that's a 43 cm surly frame. Obviously, with shoes on, I do better.

My litespeed, I don't clear barefoot. Stick me in shoes and I think I'd just barely touch the top tube.

If I was a guy, I might be in trouble.