I just took the bike for a quick spin since the seller was around. I stood over it with no problem and it seemed to fit well for a more upright seating position. The ride wasn't long since it was getting dark and cold. I got the seat high enough, I would say I'm in decent shape with only a little bit of pudge left around the midsection, certainly no beer belly or flexibility issues.
Here's the miyata for a look of where I've got the saddle now. I used a level to put pencil lines on the top tube and it looks like the saddle could still come forward to get my setback to what the calculator says it should be. Last year it was probably back at least an inch if not more.
