Thanks for all the help everyone...I took my bike to the LBS that I bought it from, they spent a little more time on making sure it fit well (no money involved) and the last adjustment seems to be where they think it should work. Arms were in a good position, leg extension good.

They said if I start dealing with clipping in or getting a road bike I can deal with more involved fitting, especially since the road bike will involve a different position.

So far I'm good with it, I'll have to spend the money a little later since my 12-year old dog just had knee surgery today! She's doing well and will be much better when she recovers!