Oh, forgot to tell you my own (and bike's) dimensions, which might be helpful. I'm 5' (optimistically!) and have a 70.33 cm inseam. My bike has:
38 cm seat tube
68 cm standover
47 effective top tube length
8 cm stem
650c wheels
Top tube+stem=55, which hits exactly what wrenchscience put out as my ideal total length. It's working pretty well for me so far! Note that you also could come up with 55 by having, say, a 48 top tube and 7 cm stem. I personally wanted to keep my stem length in a normal range.



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