Thanks ladies! Well, it does appear that my thinking wasn't "stinking"! I kinda figured that the most important thing would be to make sure that top tube isn't too long. Because, like you said, you can't adjust that...but you can adjust the height plenty. And with that in mind, I for SURE need a WSD bike. Short waistedness just doesn't work on a men's bike, no matter what I do.

I'm going to check out that calculator! Thank you SO much!