Thanks for all of the responses!
As to stand over, for cross and mtbs more is better, for street and commuting less can be acceptable but for me, I get nervous about any bike that I do not have approximately 2 inches clear in my stocking feet and more does not hurt my feelings.
I can stand over the TT flat footed but have nowhere close to 2", more like 1/2".
Set up the seat height at close to its lowest position, and then ride the bike a bit, not even a long ride, just a short test. If you are rocking back and forth as you ride, in your hips and in an exaggerated motion, it is probably little chance of the bike fitting you.
I will try this when I get home today and I will also post some pictures as requested.
It sounds like the person's measurement was way off, and was probably not even measured. You bought a frame that was too big for yourself.
This is pretty much the conclusion I'm coming to also. Thanks again for all of the help.