Top tube clearance is important on a MTB because you could be putting your feet down suddenly on very uneven surfaces. On the road, if there's a pothole on one side, you can pull up, or put your other foot down. And for obvious reasons it's more important for men than for women. Basically, for a woman, if there's any clearance at all between the top tube and your pubic bone, you're perfectly safe, and lots of riders don't even have that. If you don't have clearance, but the bike fits you otherwise, just learn to lean it a little bit more.
Putting your right foot on the curb is a common habit, but it's a pretty unsafe practice when you're in an urban area. You're way too far to the right. Also, if you have a fear of falling, you're much more likely to fall when you're perched like that.
Speed comes from what you put behind you. - Judi Ketteler