I'm not sure about femur length, but overall my legs are on the shorter side. In the past, I usually liked 56 top tubes, and ran a lower saddle, but it was kind of an eye opener that I needed so little setback. On my current bike with a 55 top tube, I've gradually moved my stem up from 100 to 120, and even that feels slightly short when I'm in good cycling shape. The LBS suggested I come back and take some longer test rides on both bikes, so that will be my next step. Thanks again!