I'm 6'3" with 34" inseam and rode a 19" frame for years. A couple years ago I got a 21" frame on a full suspension.

An inch of standover is not ideal. Have you produced all the children you want? That is one concern. A second is the possibility of going over the handlebars. If the top tube is too long and you can't push your weight back behind the seat on a downhill, you might be prone to launching over the bars. Just a thought.

Is there a club or shop that might work out a trade on a smaller frame? Maybe buy one off ebay and then sell yours? Just me thinking out loud again.