...to put it another way, is it OK if the TT contacts the "boys" just a little?

It's just that, see, I'm short. Not quite East Hill(TM) short, but close. And it's really a PITA having to limit myself to 19"/49cm frames when there are nice 20"/50cm frames out there that might just be an inch or less too "big". Especially if the TT length seems OK & won't stretch my old torso out like Superman.