I've had the same quandary, as a closeout bike I bought new was only available in 25" where 23 1/2 is optimal for me. I only have about two and a half inches of seat post showing. I moved the seat a little further forward and dropped to a 90mm stem. It rides a tiny bit softer than my smaller frames with a comfortable bar height. Without the stem switch, too stretched out. I've put more miles on it than all my other bikes combined.