I'm beginning to suspect that the reach on my bike is a little long. What's that fit trick? With your elbow at the nose of the saddle your fingers should touch the handlebar clamp? Yeah, my fingertips rest just forward of the headset cap. (Granted, I have tiny hands and short fingers.)

I'm going to see how much changing the angle on the stem helps (it's adjustable), but it's not exactly my first choice. (I don't want or need that really upright position...I'd look like an idiot, for starters. )

Is there a general guideline as to how short you can make a stem before it affects handling too much? Any other information I should know?