You can 'dial-in' the fit of a bike that feels a little too big or too small to match your personal riding style, but you are going to regret trying to make a bike that wasn't meant for you fit by changing the stem and seatpost. The best way to know is to ride it, of course. But, even that can be deceptive to the inexperienced rider. If you have a bike that you feel fits you well, then use that as your guide. If your unsure, I don't think the Cannondale touring geometry has changed over the years, see if there is a dealer in your area that has one and take it for a test ride. Besides, I don't think that 450 is that great of a deal for this bike, especially if you don't think it's your size.