I pulled the trigger and ordered an XS. My inseam is a 29.5 and the Small is 29.6 meaning the bar goes right into my crotch. Based on that, I decided to go with XS. Seriously

They said I have short legs and longer upper body.
I was at the LBS and we kept on going back and forth on SM and XS. They said either one would probably work for me. I sat on a couple of comparable bikes but that didn't make anything conclusive. Since I already had a SM previously and thought it didn't fit well, its time to try the XS as much as I think it'll look like a kiddie bike, but it'll be a better fit.