This is a very interesting topic. I have to laugh...you guys don't think you have long legs, but your 29" inseams go with 5' and 5'2" heights, etc. I am 5'6", and my inseam is barely 29.5".
Anyhow, awhile back, I emailed some questions to Georgina Terry. I was wondering about whether or not a WSD frame could work for me even though I don't have long legs or short torso. I was wondering if a stem adjustment could work. Despite not having shorter arms or torso, I have wondered if my bike is too long for me. One of my questions, and her reply, follows. I'd be curious what you all think:
My question: I'm curious about what you said re: stems. Does handling, balance, center of gravity, connection with the road change when you put a longer stem on a bike to accomodate fit? I am inexperienced and curious about how geometry & fit affect handling. For instance, I like to sit back on climbs, and have been thinking I would like a bike with the seat positioned well back ... so I wonder if putting a longer stem out front puts more weight forward rather than back?
Her answer: You're right that a stem that's too long can throw off the handling of the bike - the relationship between the handlebars and the wheel axle just won't cut it. Especially on the bike you buy, because it won't be a tall bike even though it will be a long bike. Try to keep the stem 100mm or shorter.
"The best rides are the ones where you bite off much more than you can chew, and live through it." ~ Doug Bradbury