Now that looks a lot better ... remember your danglies will touch the cross bar a bit, as you're not wearing cycling shorts (which will tuck them up a lot) arm length looks fine and a slight arch in your back ..looks to be a good fit really ... now the test comes when you have to get out to ride it![]()
Will give it a try with less baggy bottoms and some tight boxers

That looks a lot better.
Thanks
I've test-ridden bikes at Halfrauds before; they have allowed me to whizz around behind the shop with an assistant watching. Even if you just rode it down the road, there wouldn't be a problem if you took it back still wrapped like that - they aren't that clever!
That upright riding position and fat tyres are going to make the bike painfully slow though - why not take it back and get a road bike?
Once I am happy it's ok, next step is to give it a test ride. I popped into Halfords today and explained the issue. They promised me they would still refund me on the bike, so long as it's still in the packing (which it is) and doesn't look used. I think I can get away with a quick ride in the dry.
It looks very short in the top tube. Youve got shortish legs, short torso and long arms. A difficult set of parameters to fit on a bike. You definitely need a longer stem. Possibly a larger frame.
Mmmm...first opinion that it might be too small. Confused. Surely a larger frame would cause negative standover? Can you explain your thoughts a bit more please, bearing in mind I am a newbie

Right I've just checked my own bike and I have a similar clearance. I thought I had more but in fact it's pretty much the same and i manage just fine. I'll upload a pic in a minute when my phone has finished delivering it.
Mickle might be right about the stem, 29ers tend to have a higher bar position because of the extra wheel height, tyre clearance and in your case, 120mm forks. So unless the head height has been reduced the bars come up and it all looks shorter and is a bit shorter. it's a conundrum I'm currently solving on mine. I left a lot of stack height on my build and it's all come off now as the I've put the bars lower.
Personally i reckon your standover height is fine and personally I don't think it's too small, it just gives that illusion because of the 29er geometry. Mickle may be able to give you a bit more input on his observations there, he's pretty experienced.
Cheers, that pic would be helpful.