Hard to tell without seeing a picture of you on your bike, any chance you can post one??

However, I am 6 feet tall with a cycling inseam of 38 inches. I know for a fact I cannot be fit properly on a stock frame. That 38 is NOT a typo, it's actually 97 cm which is a bit over 38 inches.

I suspect you can get pretty much in the ballpark with a 60 or 61cm frame, but you need a good fitter in person to help you.

If the bike fits you properly, it's ok to have the bars a few cm below the saddle.

Doug