@Tulip & Marquise. Thanks for both perspectives. I would definitely go to a real person for a "fitting", but I have to buy a bike first. So it would be good to know what size I need. A sales woman at a LBS did my measurements and gave me a bike size of "51" as a starting point. I think that's too small for me. The bike I want is a Kona Honky Inc. and they come in 49, then 53. I felt closed in on the 49, so I presume I need the 53.
I know that bikes are sized differently.
I'll try the site you mentioned Marquise and see what it gives me.
Thanks.