Yeah, we're all beating around the real question... how do you know when your seat height is "dialed?"

With me, I just know it when I feel it. It sounds obvious, and pretty dumb, but it's hard to get just right. Mostly, my leg and the crank seem to be in "harmony." It's most obvious at the maximum leg extension. The crank/pedal neither contricts or stretches my natural leg extension... at the moment I start to retract my leg, the crank comes along, almost encouraging the back stroke.

And saddle height is only part of the equation. In addition to overall frame fit, fore/aft saddle position and cleat position are primary components of getting the saddle-pedal interface worked out. Plus, when you change one, you impact at least one of the other two adjustments.