Not that easy to know some things. How are you measuring inseam? With shoes on? To cuff of trousers or to ground? All the way to pubic bone or to where your tailor measures?
Just measured the four bikes I use regularly. Two of them have standover higher than my inseam, by any measure I might devise. It is never a problem. No good explanation for that but so it goes.
Most modern bikes have incredibly high bottom brackets. They cover for this by changing how BB height is measured. Sloping top tubes and ultra long seatposts change everything.
Another factor that changes everything is flexibility. Torso length is accommodated with longer stems and handlebars with more reach. If you lack flexibility maybe you don’t need or want reach. If super flexible you might be happy simply by slamming the stock stem and riding in the drops all the time.
Try some bikes. As many as you can. It has to be good the first time. Occasionally a bike will grow on you. Mostly if it starts bad it won’t get better