I'm 72.5" tall with a 35" inseam. Consequently, I ride a 56 cm Specialized Tarmac with the seatpost jacked way up, saddle slammed to the front (zero offset post), and a 110 mm -8* stem.
At the LBS, I asked to try a 56 cm bike but the salesman said I should look at a 58. Nonetheless, I grabbed the 56 and he said the standover height off the top tube was way too short for me. We threw the bike on the trainer and I started riding it. Then, he saw the light and kept on saying, "Oh my God, you are the right size for a 56." over and over again. Silly man.
I'm all legs. I should be a model.