How do you determine at what height to set the stem?
I suggest, the longer steerer option, and ride it a while..
though the ride the bike as is, and if you feel it is too low ,
And the factory assembly already cut the steerer.
then you seek out a 'stem riser' ..
I got a particular one that I could use on my 2nd hand trekking bike build,
the whole stem riser is internal, , others clamp on external,
it clamps on the fork the original stem, fits on top of it..