I could say I respectfully disagree with you. I was trying to be to the point and not write a 30 page thesis.
The frame size will be chosen based on your standover height.
I respectfully disagree. I can a straddle any frame, but, there's no way you'll be able to fit me to any frame. The most important dimension is the toptube length. That dimension directly affects your bike comfort and stabillity, while riding. When you take a too large frame and put a shorter stem on it, you directly affect the bike's handling. Take a frame that's too small and add a longer stem, same thing happens. The engineers who design the bike take all the bike's components into account, when deciding geometry. It's best to be close to where you need right off the rack.
Who cares about standover height. If that were so important, dirtbikes wouldn't be so tall or people wouldn't buy them. I used to sell motorcycles. One of things a novice would mention is that they can't flatfoot while straddling the bike, as if that were a requirement to ride. It's not. Likewise, with the standover height of a bicycle. Again, the front-to-rear dimension is the most important.
If straddling is an issue, then they need to look at a sloping toptube frame or have something custom built.
I am sure that you could straddle a toddlers trike, but that does not mean you are going to ride it.
It sounds like you have long legs, I don't and most women I know don't have the long legs you have. We care about straddle (AKA standover)--I cannot ride a bike that I cannot straddle.
I will concede that you could fit a stock bike by choosing a top tube length and then seeing if the frame is tall enough to fit the rider. It is also possible (and I think easier) to use standover to pick a frame and then see see if the top tube is long enough. I thought that is what I said, but perhaps I should have said the tallest frame you can straddle with up to 2 inches of clearance. I really wanted to talk about this in general terms, and give the local bike shop credit for being able to size a frame. I think we both agree that a bike with a 700mm seat post or a 300mm stem is a disaster. I think we both agree that that the bike frame has to be tall enough and long enough.
And most bike sizes are still talked about in terms of that correlate with standover. A 60MM road bike frame refers to the distance between the center of the bottom bracket and the the spot on the seat tube where the top tube would be if it was level top tube.
The original poster wanted to try touring. I am not ready to send them of to buy a custome bike. We were asked to provide guidelines so that they could buy a stock touring bike.
I agree with your other fit issues.