If putting your feet on the ground while seated in the saddle is important to you--either by preference or by need--you need a different style of bike.

All of the bikes in Electra's line let you do this. Trek has one model line that's similar, the Trek Pure. I'm sure there are others.

Otherwise, forget it. Most bikes are designed for riding, not for sitting at stops. (And don't take that wrong, I don't mean that sarcastically.)

Thus, they way they fit is governed by how you are seated while riding and in motion. This is also why one measurement of the top bar is called "standover height". When standing at at stop, it's the top bar you stand over, not the saddle.

I have to be off the saddle and straddling the top bar to touch ground even with one foot on both my bikes. When I do, the nose of the saddle pokes me in the small of my back, just above the waistline. (And the standover height of the top bar clears the dangly bits.)

I second the recommendation that you see a shop about getting a fitting. I go for a fitting every year. It's the best two or three hours I spend on myself. The reason I follow the recommendation of a fitting every year is that my return to cycling is still fairly recent. My body--muscle tone, flexibility, etc.--is still changing as I become more accustomed to cycling. For instance, while my femur length remains unchanged, my hamstrings are stretching which has allowed a both longer crank and a lower upper body position.

I'm still trying out different shops and fitters, and so far, have stuck to those who fit by the old-fashioned way, visually while I ride my bike in a trainer. I still need the coaching that comes with that method of fitting. I've promised myself that next year, I'll try the local shop that has one of those body scanning things, just to see what that's like.