Hello again

6'2" with a 34" inseam and trying to decide if a 20 or 22.5 Trek frame is the one I'd be happiest with. I've briefly ridden both and currently have a 20" Schwinn which seems OK, but I have nothing to really compare it to. Standing over a 22.5 frame is pretty dang tight in the crotch area, but I do have an inch or so there. I think my bigger concern is would I be more comfortable over time with the longer seat to handlebar distance of the larger frame. I would really appreciate y'alls insight and experience into what should be my best choice. I would really like to make the right choice before spending a wad on my next bike and then finding out I really should have gone to the other frame size. If only they made a 21 or 21.5, I think that'd be perfect