"Toe clip overlap" on a large frame is really a design flaw. On smaller sizes with large wheels it is hard to avoid but most large frames are free of TCO.
If you are road racing then TCO is usually not a problem but if you ride in traffic with slow junctions and trackstands and fit fenders then it does cause proplems. Most of the time you will remember to avoid overlap but sometime you have other things on your mind such as cars/pedestrians/dogs/potholes/grates and something is forgotten. Brain overload is also probably the main casue to clipless pedal "failure to unclip" accidents. Combine TCO with clipless pedals and you will one day topple over.

There is no reason to buy a bike with TCO and I would advise against it.