No, I said that wrong, I lowered the bars. Fortunately, I have a long fork, so I just stacked some spacers on top of my stem. I know better than to lower my saddle. Or to move it fore or aft. I seem to be more evenly distributed now.

As for a fitting, I'd have to drive a couple of hours for one, but I may make the time. I just wanted a reasonable estimate of where I should try, and to verify that it wasn't unusual for the bars to be lower than the saddle for comfort. I particularly wanted the female point of view, since I'm working with crazy long legs compared to a stubby body and arms. Seems like I just need to experiment since everyone is different. I was looking (drooling?) at the Luna website and noticed that a lot of the bars in the gallery were lower (relative to the seat) than mine were. Somehow I was thinking higher bars, more comfortable, but it seems like all my weight was over my saddle. I'd also read the Rivendell articles about how most people like their bars higher. That's why I asked. Now I know that higher isn't the norm, although it's right for some. I also think maybe I could just save those pennies and go custom, since I really want to stick with steel!

Thanks for all of the input! I always learn so much here.