While I don't support the 'fit calculators are cool' movement, and only grudgingly accept that they may help choose a frame (and would NEVER use one to set up a bike), if you're getting the bizarre results you suggest, you are either abnormal in body type or are doing something wrong. Slightly short legs don't count although they start to explain my distrust of fit calculators.

Stop dicking around and go to a bike shop and determine what fits based on real bikes. Choose a shop with a number of fg bikes and people who know them. THEN be upfront and tell them what you are doing. It's a real low move to use a salesman's time experience and then use the information to buy on the internet. Give back either by buying a bike or parts and accessories. If you don't know what you're doing you'll need a sympathetic mechanic to fix/maintain your bike anyway. Besides, if you're up front and he sees you like a particular bike, he may be willing to do some sort deal or know of one that's not on the shop floor.
Even without fit issues, you'll probably buy a better bike this way anyway.

One thing that amazes me as a reader of these forums and a resident of a country with prices that'd make your eyes water, is the American unwillingness to find an extra $50 or $100 for a decent bike when that bike would still be a dirt cheap bike and yes, I know what it's like to be strapped for cash, as a single parent with two kids and low end income, I know all about saving for toys and transport.