you already answered your question - "or sell' sortta says takin a small hit on the money side ain't fun, but doable.
possible 'use' injuries aside (and they should be a major consideration), being on a bike at least 4 cm sizes up would be a real turnoff for riding.
Given how long a nice bike can last and how many good rides could become barely fun on a poorly size bike - sell, and get something reasonably sized.