Yes, it's me again, with all the questions!

I bought a used Terry Isis and I just took it out for a spin. I really enjoyed it - loved the way it handled and liked how comfortable it was to be riding in the drops. While I love my Symmetry, sometimes I feel like I might be a little too low while in the drops.

The Symmetry is 44cm and seems to be a great fit (other than when I'm in the drops). The Isis is a 48cm and when I got home I realized I have no standover clearance - I mean I am actually touching the bar when I am standing over it. I'm 5'4", but I'm not sure what my inseam is (I'll have to dig out my tape measure).

Does that positively mean the bike is too big? Is that 1" of standover clearance a must? Is there anything else that can be adjusted?

TIA!