Stand over is not important. Correct fitting should put the saddle at the right height for effective pedalling and at that height- you may not be able to touch the ground when seated. When this is coupled with TT length for reach- that top tube may be a bit high for you. No problem- you just do like the rest of us and lean the bike over when you come to rest.

Now if it was a mountain bike--- Then 4" clearance is the Norm and that is still often not enough.