Appreciate all the great input guys. You have really helped me out. I just went to go test ride a bike yesterday. The bike itself was in decent condition aside from looking a bit old. It was a 58cm and the seat was adjusted way too high for me but it can be adjusted. Now my question is about the fit. I was wondering about how much standover clearance I should have. I read that you should look for 1-2" of standover clearance but when I stood over this bike I basically had close to none (the top tube was right against my crotch) but when I rode the bike my legs were basically extended fully (if I adjust the seat I think I can get the extension that is described for a good fit). Is this 58cm bike a good fit for me or should I look for something smaller?