When I was looking at the Crosstrail I was told that the frame's higher standover height was due to the fact that it rides on 29" wheels. So, the comparisons to mountain bike frames (26" wheels) aren't quite apples to apples. It's been my understanding that you want about an inch (and no more) between the top tube and your crotch when standing over. You want a frame large enough to allow appropriate leg extension in pedalling.