I had a trek 820 that was 15 ", and now have 6700WSD @ 16 ". I'm 5'4", with bottom half longer than top half. I have nearly 2" of space between me and the top bar, and I wouldn't want any less. To be honest, in the 3 or 4 years I've been riding, I've never bailed with both feet at one time, or ever come in contact with the top bar. And I've certainly had my share of spills. How do you feel when you ride it? Do you feel like you have good control, especially when turning or on rocky downhills? Another thing to consider is what type of riding will you be doing? Are you going to stick to bike paths and fire roads, or are do you anticipate going after gnarly single track? Those are considerations as well. Have fun biking!