"for a decent deal that is a bit on the large size for me"

I don't think the stem length is that big of a deal but if you really think you are going to keep the bike long term, I wouldn't buy a bike that "is a little large for me." My last bike was 1 size too big and although it worked (with some adjustments), it never quite felt right. That was one "decent deal" that in the end wasn't worth it. I learned that lesson even more when I finally got a bike that fit perfect.