I missed reading that part my first post.

A follow-up question should be, are you a competitive cyclist? If so, you're definitely a follower of The Rules, and will trade suffering for speed. On the other hand, if you're just riding for pleasure and health and don't want to suffer, I'd ignore those calculators. When I was much younger (30 lbs ago), I rode a smaller frame than I do now, long top tubes, and 14 cm stems slammed down. In the drops my back was damn near perfectly flat, all for the want of speed. Now my saddle and handlebars are at the same height, I ride a 10cm stem on frames with a bit shorter top tubes. I rode a 200km brevet in February, not much soreness at all the next day.