+1 on inseam length. I am 5' 11 1/2", or used to be, probably have shrunk since I am a couple years from 50.

Anyways, I have a 31" inseam and am long in the torso. I ride a 58 cm, or 23" road bike. My Schwinn Madison is a size L, and it fits me to a "T".

The length of the top tube is critical, that's what governs your reach and therefore, comfort. When I ride a bike with a really short top tube, unless it has a long stem it just feels bad.

Try several bikes at your LBS until you dial in your individual fit.