Thing is I'm inexperienced enough that I might not even know it's too big for 4 months. I plan on riding it before I buy it but I'm not sure if I can tell much. I got on a 59cm Schwinn Voyager for a bit recently and I ride a 23" seat tube length, 5 speed Schwinn Cruiser a good bit. The Cruiser has a 33- 3/8" stand over height and it doesn't give me any problems, and I ride it rough sometimes through the ditches and over the hills. It has 26" MTB type tires.