Do you mean tippy toes when you're sitting on the saddle?The bike shop raised the seat to where I was on my tippy toes, but I lowered it a bit as I didn't feel comfortable with the seat so high.
Most people I know can't touch the ground when their mountain bike saddle is at the proper height.
I had a trek mountain bike last year, and I could *not* touch the ground with the saddle in the right position.
I can't speak to the bike frame size for you, though as a data point, I was on a 16" (or was it 15.5"?) Trek Fuel 90 at 5'5 and a 32" inseam. I don't know if the geometry is similar enough to compare. How much standover height do you have?
When I first bought the Fuel, it freaked me out because it was my first "real" bike and all my older bikes were the "girl" ones with a lowered top tube. After a few weeks of riding, I didn't even notice it.



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