I can't touch the ground with both feet from my seat. Neither can the female friend with whom I usually ride. Having room between the top tube and your sensitive bits is much more important than being able to touch the ground from your seat.

It does make it a bit harder to get started on uphills, but that's about it. If it's a choice between being able to pedal comfortably and being able to touch the ground while seated, choose pedal comfort!