Like Wanderer says, bare heel to naked crotch. Measure to any of the dangling bits you want, but you will be getting a very small bike if you do - probably.
I'm not sure why you are considering 1" heels to add to your standover height. You don't really pedal with your heels, do you?
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Some people are like a Slinky ... not really good for anything, but you still can't help but smile when you shove them down the stairs.