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My reference was a pant inseam. (Not trying in starting a debate), cycling inseam is less relevant on a mountain bike with frame sizes that usually jump 1.5 - 2 in (~3 - 5 cm) per step instead of 2 cm on a road frame. The added inseam due to the shoes and cleats is easily absorbed by the seat post adjustment.
If you tried both sized and the bike shop recommended the 19.5, I would trust them assuming you were dealing with a pretty good shop/"fitter". Once you get the bike in, they should be able to make some minor adjustments in the fit, but I think you'll do fine.
FWIW, my road bikes have been 58cm and they have fit fine.
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