Join Date: Jan 2009
Bikes: More than 1, but, less than S-1
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As you're learning, people who aren't of average proportions can pose a fitting challenge. If your legs are disproportionately long you have two options.
Choose a larger frame and attempt to accommodate the too long top tube with a short stem.
Choose a slightly smaller frame, which will have a shorter top tube. Use more seatpost extension to accommodate leg length. But, need to flip the stem angle positive or even look for a steeper stem to achieve appropriate fit.
Which is the better option will depend on a number of factors, including your age, flexibility, strength, intentions, etc. But, generally, if you're getting the bike for purely recreational purposes and don't have any competitive intentions I would hedge toward the larger frame and shorter stem. Mostly for the decreased saddle to bar drop. This is more or less how Mrs. Fred and a number of our friends have been fit. Frames that are a size up from what might otherwise be ideal but with 60-90mm stems.
Birth Certificate, Passport, Marriage License Driver's License and Residency Permit all say I'm a Fred. I guess there's no denying it.