Definitely not being picky, no. As others have suggested, frame fit is vital.

My own preferences center on frames that would normally be considered too small. Yet they fit me better, feel better, cause fewer problems (of aches, strains). As I'm a mostly-upright rider, anymore, so long as the seat tube length and the standover height are great, then I can make adjustments around the reach and stack (ie, via stem+bar changes) to accommodate.

In my case, building-up a '90s Trek 970 to an upright commuter/city bike has done wonders. 2x11spd, suspension seat post, riser/swept bars. And in a puny 16in frame sizing that (with the stem+bar choices) allows my smaller frame to fit very nicely. One great thing is, it's got a sufficiently low SOH to tolerate my short legs. Nearly every other frame on the market just feels too darned big these days. (Surly Troll XS was very close, and the 15.5" and 16.5" Trek MTBs worked well. Most others were too tall SOH, and/or with TT far too long.)

I can't get used to a frame that's a grossly "off" fit. I can't get used to a SOH that's in the noogie-knocking realm. I can't deal with a TT that puts control of the bike and comfort out of reach.

Uncertain what your reach and stack measurements are, for a "perfect" sizing, but Velo-Orange has their Polyvalent Low Kicker step-through frame on sale right now (~$600). For 650B or 26" wheels, with 12x100 and 12x142 hub spacing and through-axles, up to 2.3" tires, made of double-butted 4130 chromoly. With the curved-and-sloped TT it ought to resolve your SOH issue. If you're okay with another build-up, and if the geometry numbers get close to your ideal frame size, it might be a way to keep most of your components and eliminate your primary pet peeves RE your current frame.

https://velo-orange.com/collections/...lyvalent-mk5-1