Wait, are you sure you have measured correctly? I would measure once again and use centimeters. There is no way every part of you is solid inches. Based off the charts, you have a super long torso / arms compared to legs. Doesn't look right to me.

Measure again, with cm. Get as accurate as you can. If you are 41.25cm in a measurement, that is what you use.

Your inseam is 31 inches. Then standover of a 55cm kilo is 32 inches. Which means trying to straddle the bike will have you dangling your feet off the ground.