The size of the frame is one of the few things that can't be changed on a bike. You have to get it right the first time. Before I spent all of my money, I'd want to get fitted or use an online fit calculator or try out some different sized bikes in a bike store. The last thing that I'd want to do would be to depend on the advice of a bunch of people whose backgrounds are unfamiliar to me and who have never seen me to know what my body porportions are.