To me, is seems you may be pedaling a bit too "toes down." If that's the way you "naturally" want to pedal, it may be OK. But, that could explain why you found the .883 and 1.09 (pedal to saddle) formulas to be too low. For me, those put me 1-2cm too high, because I prefer to pedal more "heels down" (due to all the walking I do delivering mail). Did you try the "heel on pedal" method?