fit is really personal. i ride a bike now that is a full 10 cm bigger than i used too! it all depends on how you like your bikes to feel i guess. i like to baaarely clear the top tube with my feet flat on the ground. that way i can use a regular stem and show only a fist of seatpost and still be super comfortable. some old french constructeurs built their bikes where barely any seatpost at all shows!

anyway recently i've figured out just how long my legs are and they are looooong! i can stand next to people that are a couple inches taller than me and our legs will be the same length.