Don't forget that in the real world, you don't ride bikes wearing just your socks, so the thickness of the soles of your footwear will probably give you a good extra half an inch of effective inside leg length. The standover height will probably fall into the "it's OK, but you'll have to be careful dismounting" category. However, you also need to ensure that the reach to the bars is not excessive. Being a steel-riding dinosaur, I favour big frames by modern standards, but even so I like to feel that I'm the one in charge of the bike rather than the other way round. For example, although I can physically ride a traditional 25" road frame, I find them just too unwieldy and too stretched out to be enjoyable to ride. That would be the old-school equivalent of a modern XL frame. I'm almost the same size as the OP but my legs are longer, and I generally ride 23 1/2" steel frames, which would equate to an L in modern parlance.