So, I went to a couple LBS, but I got two non-helpful sales guys that didn't know much more than I do. And I know squat.
Anyhow, it seems I am deformed. I can't ever find pants that fit 27" inseam. I have to cut three inches and then they end up looking like ridiculous clown pants. It seems I am having the same problem with bikes, nothing fits. I am 5'6.5" with a 27" inseam. SHort, with short legs, a bad combo. I checked the REI Expert Advice page on fitting. It is very informative and even has a video.
Using a CM to IN calculator (seems most bikes are measured in CM), I would need like a 43cm frame. I tried one, the stand over height was perfect, but the top tube was short it was like the shifters where at belly button.
One guy recommended a 52", but I'd never be able to have kids if I did a proper stand over. Not to mention that I said I was looking for a commuter/light touring and wanted to put on fenders, rack, etc. and he showed me a Fuji road bike with no braze ons and no clearance for fenders.
Anyhow, what should I be looking for at my size (27" inseam, 5'6.5")?