You are looking at this the wrong way. These days, frame size numbers are meaningless. Look at stack and reach. I have long legs and a short torso and I do ride a small frame that has a stack height of 527mm, with a 15mm headset bearing top, no spacers and a -17 (horizontal) stem. I can do this because I can tolerate a large 10cm saddle to bar drop. My saddle height is 73cm. If you can't tolerate a large saddle to bar drop, a frame with a shorter stack makes no sense.

If I could only tolerate an 8cm drop, a -6 degree stem would be an easy fix. If I needed a 6cm drop, 20mm of spacer would be needed and some might say I bought a frame that was too small.

Reach can be minimized with 75-80mm reach bars or increased with bars having up to 100mm. Stem length changes can further increase reach over a large range,