I appreciate the advice/comments.

I rode the 20" 7.2fx today and I didn't have any problems with it. With the seat jacked up my legs seemed to be in the proper position (slight bend in knee). I also stood over the 22.5" and had a little over an inch of clearance, however it felt like a pretty big bike whereas the 20" seemed like it would be more agile. The 22.5 was a little too close to the boys for my liking but that could be due to me probably never having a properly sized bike.

I believe I will just go with the 19" '2010 coda sport from bicyclwbananas. It seems to be the same size as the 20" trek...I'm 90% sure it will be fine. With deore stuff for $440 and no tax, I'm almost certain I could easily resale it for little to no loss if I had to have a bigger bike.