I don't think it's accurate to say all bikes with <100mm stems are too big for the rider. I have a fairly short torso compared to my inseam, so I often use ~80-90mm stems and still have quite a bit of seatpost showing. I also don't understand you guys harshing on saddles slammed forward. It's not like you have measured that person's KOPS, or anything else, to determine if their bike fits. As long as someone feels comfortable and rides their bike, I don't care too much what the setup is. Function>form. Some of you guys are roadie-fashionista whiners.