I used to work as a salesperson at a bike store in the early 90s. The staff at the store had a few general rules to size people to mountain bikes. We first made sure that customers had 2-3 inches of space between their crotch and the top tube when they were straddling the frame. When they were on the bike in a comfortable position, we usually wanted the handblebars to block their view of the front hub. And of course they needed to have a slight, comfortable bend in their elbows as they gripped the handlbebars while riding,
For whatever it is worth...
For whatever it is worth...