Thanks -- this all helps, especially the explanation of how different bikes can fit. It's one reason why I hated ordering a bike on the internet. I'd have probably chosen one with a lower BB if I'd had that knowledge/experience.

OTOH, I love my shaft drive bike, and I really just needed assurance that there was nothing wrong. I wondered if the tires were too big or the frame too big (which seemed unlikely since it's a 17" and I'm 5'8") and now I know it's fine.

I don't use cleats yet.