I personally don’t care about the stand over height. As long as your leg is not fully extended at the lowest seat adjustment allowed, you shouldn’t have problem height wise. However, top tube length is a bigger concern, because you can only shorten your reach by a few mm using shorter stem. Ask your friend to ride it for a day or two and see if you feel too extended on it. My bet is that your shoulders will ache after that ride because of too much extension.