I was in your shoes a year ago & bought a new Giro ATT 20 with 26” rear & 20” front. For my height & x-seam it was a good fit.

How tall are you? With 26” wheels you’ll need long legs to get your feet down at a stop. I’d there a place you can test ride? It won’t be much of a ride since you’ve never ridden one, but you’ll get the hand of it soon.

Bacchetta is is a good company to deal with.