This should be a huge part of the consideration. Referencing the above examples :
I am 6'2" and have an even shorter PBH than you, Kim. So I'm "next level," in terms of long torso /short legs. I have a 60 Clem H. I don't really have ideally adequate stndover clearance at all, but I feel like the top tube is way too short. At least for my swept back bosco bars.
Brenton's friend, with long legs and short torso should theoretically have the opposite issue - which is to say none at all. He'll have a lot of seat post exposed, but all that extension translates to the saddle moving rearward and away from the handlebars. So they'll feel further away. And then, when he leans forward in a normal riding position (somewhere beyond 45 degrees, like 50 degrees? ), his shoulders won't extend as far forward as someone with a longer torso but otherwise same saddle height. So the bike will still feel long enough.
As an aside, this later case is also why Rivendell's long chainstays are so great, but why mainstream bike people with average builds don't get it. When a tall person gets on a bike with typical, in-vogue, short chainstays, they end up with their butt right on top of the rear wheel. It's a totally different riding experience than someone of averge height and proportions has, but those average-built people will still argue that short chainstays are better.... and that all sizes of a frame should have the SAME chainstay length.