Maz, I can see where you're coming from! but in reality, if the other elements all fit (and I'd say that the reach is most important) then you're unlikely to have a problem with standover height unless you're particularly short. e.g. Mrs G has just got a Spesh Tricross in 49cm size, and although the reach is fine, and actually slightly shorter than her made-to-measure, based on Bikefitting measurements, road bike, she can only just straddle the top tube - OK with bike shoes on, but not without. - She's 5ft 0.