It's very easy to shorten the chain with the right tool, which doesn't have to be expensive if you just want to maintain your own bike. I bought a ~$5 chain tool and have used it about 10 times with no issues.

Here are three methods to achieve adequate chain length:

http://www.parktool.com/blog/repair-...-length-sizing

I use the Simple Equation described on that page, for what it's worth.