Get a 17 degree stem and point it down, if you don't have one already. That will lower your bars quite a bit compared to a standard 6 degree stem. You can also look into a shorter stack headset for even lower bars. My height to inseam ratio is exactly the same as yours and I don't have any fit issues on stock frames. If I want lower bars, I size down and use a longer stem. If I want them higher, I go up a size and use a shorter stem.