Just got a great deal an leftover 2012 Moonlander MED (18") today. It lists stand over as over 31". Surprisingly, wearing my winter Lake mountain bike boots I have a little clearence between the boys and the top tube, actually more than I thought.
I am 5'6" with 30" inseam. The bike fits great with everything stock! I thought I may take a small but I ride a MED Tallboy and it fits great as well. I was fortunately able to ride the Moonlander, it was the only one they had, lucky for me!
I just got a 16 necromancer with larry and nate. I'm 5-5 with 28.375 in seam. I probably got 1 and half. It's not a lot but it seems like enough. I do not think I would be happy with a 14. My seat is low but reasonable. I think it's 26 from center of crank to top of seat. I got room for a bag but not bag and fender on the post unless I can find someother fender design