"Relax, this is very simple - really! ALL YOU HAVE TO IS MAKE SURE THAT MEASUREMENT "L" IS MORE THAN 3 INCHES LESS THAN YOUR INSIDE LEG, BUT OTHER THAN THAT CHOOSE THE LARGEST FRAME! So if the 550 gives you 1'', the 530 gives you 3.5'' and the 480 gives you 6'', go for the 530. "
Not true. In reality, all you have to be able to do is stand over the top tube, with enough space to be able to lift the bike a bit. It's all about your comfort while riding.
If I went along with this statement, I'd feel like the proverbial monkey making love to a football.