Originally Posted by mihlbach

Standover height is basically irrelevant as long as you can straddle the frame without smashing your boys (or girls). Adjust saddle and stem height as needed. As long as you have a frame that is in your ballpark, top tub length is way more of a concern. You can use different length stems to compensate for having the wrong top tube length, but too long or short a stem will effect handling. One the other hand, adjusting bar and saddle height is no big deal and it would have basically the same effect as making your frame taller.