The online fit calculators are not as god as the fitting done by the professional fitter. First of all with limited measuring tools you can make some small mistakes when taking your measures. Not only inseam, but also lengh of the arms and torso. Secondly, the calculators don't take into account the level of your body' flexibility. The results obtained based on that could be just an initial picture of what it should be.
Last year I measured myself and put the results into competitive cyclist calculator and as the result, got the following sugestions:

TTE - 52.6-53.0 cm
Steam - 9.1-9.7 for Eddy fit

I have builed a bike based on Tricross Pro frame in size of 49cm (515mm TTE) and 90 mm steam. As I could still see the front hub in front of me, I have switched to 100 mm steam. i have ridden the bike for a year doing around 6000 km when I decided to make a coplete BG Fit. It was more or less to see, how good was my approach. After 5 hrs with the fitter we ended up with the following changes:

HigHering the saddle by about 7mm
Positioning the saddle in the neutral position to get the knee paralell to the end of the crank arm.
After playing with the adjustable saddle, we changed the 100mm with -6 degree into the 75mm and +14 degrees.
we also played a bit with cleat positionning.

After that I don't feel as stretch as I used to be and have no problems with ridding in the drops (I couldn't do that for more than a minute before). Of course with the shorter steam, I can see the whole front hub, but the rest is better than before. I hope my flexibility will improve over time, so I will have a space to play with the steam lengh and angle.