Every pair is different. The chamis is supose to be large, expecially in the back to protect certain parts of our bodies. The top length depends, I like mine higher because it keeps my back from showing when I am in certain positions on the bike where the jersey is stretched out (rather have bibs but...). It may take some time to get used to bike shorts but I am comfortable in them now.

Some shorts that are low cut are not long enough for me, but may be perfect for you, your preference.