Stand over height should be determined while wearing cycling shoes that you plan to wear, not barefooted. Secondly, reach is more important than stand over height, IMHO. Once the correct saddle height and fore/aft positions are set for efficient pedaling, then any reach issues can be addressed with changing stem lengths. You can also have the brake levers switched out for "compact reach" brake levers for smaller hands or some levers allow a shim. I changed out the brake levers on mine when they built it up.
Can you get a proper bike fitting?