I too had toe overlap, the ft.ctr. is non adjustable, except for crank arm lingth & foot position. The last new bike I got was 7 yrs ago, the frame demention I cked first was ft. ctr. got room to clear with fenders on the LHT. I am 5-11 with 76 in. armes, I found that with keeping sholder elbo & wrists at angles like the mn. stream folks my stem is about 70 mm. below the saddle, ( short torso=short stem) I can feel the middle finger polling me to the bar on slight clime, haven't used gloves in 10 yrs. At 67 I'm glad that I addressed the toe over lap issue. Balancing a loded touring bikewith the wheel cocked over in a slow turn with the ft, wheel and your foot locked togather isn't easy at my age. long stems & high bars wern't for me!