My road bike is a 58cm, inseam is about 89.5cm. Torso is... short-ish, I guess, so I end up with frames that need like 22-24cm of seatpost showing to accommodate the spidery legs, and then the bars are way down just in relation to the saddle. I'm running the stem "all the way up," the steerer is uncut.

So I never feel close to the ground, really. The top of the saddle is about 110cm from the floor. If I had gone to a 61cm frame, it would have a nubby short ~90mm stem on it, which would look even weirder than it does now. Sometimes the frame looks tiny to me, then I see someone who rides a 54cm, and mine looks cartoon-like.