so, my friend came by today (some old timers will know him, George Mount) and help me fit the bike.. took half an hour, some riding around the parking lot, and a bunch of adjustments. Apparently my seat was too low, too far forward, and my handle bar was too high.
The height of the seat he did by eye, he changed it, made me ride around, and etc... The forward seat position he used a plum line from behind my knee cap, to the pedal;..
I rode the bike home, and man, it was so much easier to ride...