At 5'10", I've put a lot of miles on about a 60cm frame. I bought it when I was 16, and it just always seemed right... until 3 decades later someone suggested it should be too big for me

I think my cargo bike is either 61 or 62, and a bit on the large side. I did drop the bottom bracket slightly during re-assembly

Anyway, my favorite point is that once you're sitting on the seat, the top tube doesn't make a whole lot of difference.