It's get mentioned every time I'm looking for bicycle touring, training, commuting and what not. Bicycle fitting. And I'm asking you, is that big of a deal? If the saddle height is alright why frame size and all that can bother you? Your knees are okay, your back can be adjusted (Don't thing the minor frame size matter will determine if your back will be or not), and everything else falls into place.
Am I being stupid? Please enlighten me.