Thank you all for this great input. I was out riding and practicing with my clips this evening.

Since moving the seat back to its max, it seems a little better for my knees. I could clip into the toe clips and not feel like I was too "crouched". I still could not reach the ground while in the saddle. I have practiced routines such as what [MENTION=78894]Carbonfiberboy[/MENTION] suggested (thanks btw) but I seem to have a tough time sometimes "making it" onto the saddle.

@Liesesturm you're right in that I'd feel more secure if I could even get a toe onto the ground, but I know that when the saddle is that low, I'm back to being too low for pedaling. If I lean the bike a little , I can, but I am always afraid of the bike just not making it upright again one day....and in the worst of traffic.
[MENTION=383126]Igualmente[/MENTION] , my bars are "flipped" upside down, so they're not like the photo anymore.