Size is determined by your body build.
BTW - 1 " is a significant amount of change in bicycle parlance.

That is, do you have a long torso or shorter torso and longer legs? Long arms?

How fit are you and how are you going to be riding this bicycle - as a recreational rider on groomed trail or at a higher, performance orientation?


The top tube length related to torso length, and steering geometry is related to stem length.
A long top tube with a short stem handles differently that a shorter top tube and longer stem.

Fit is a factor of all of this, including crank arm length.

When I fit, feet are first, saddle height/position is next and then stem length.
They all work together for proper fit.

As I like to say - the top tube always wins!
rusty