JRider,

Normally, the standover isn't that big of a concern, since for most people the proportion of inseam to torso is similar, and frames are manufactured accordingly to accomedate the majority of people. You appear to be one of the rare cases where the common frame geometry used, just doesn't work as well for you. In your case, you made mention of your shorter legs, and was concerned about possible injury, etc. So, that is why I mention it.

Reach measurement is almost always the most important factor, and still is here, you just have to find a frame that you feel you will be comfortable with. If you feel you won't have a problem with the standover being a little higher than your inseam, then you will get used to it. You just have to be a bit more careful when mounting and dismounting.

In the future, when/if you decide, you may eventually have the funds to purchase a higher end frame that will fit better, or perhaps even have a custom frame made specifically to your personal measurements.

From the Ebay auction you posted, if you think you can learn to ride the bike with the standover a little high, then something like that nice Lemond seems to be a good choice.