Remember when figuring standover, to leave some clearance. Even if you have an inch to spare when on a showroom floor or in your garage, you aren't always guaranteed a level stopping surface and just an inch or two of lift on the front wheel can make that top tube real uncomfortable.
Women's specific frames tend to have shorter top tubes, so look for a standard (men's) frame. Different frame geometries are available, some with slightly longer top tubes. As mentioned, sloped top tubes will also add some clearance. The downside of a long top tube is that you get more stretched out on the bike. If you have a long torso, that's fine, but if it makes you uncomfortable, or places more weight on your hands, you aren't going to like riding very long. A shorter stem can help but is a workaround not a true fix for the problem.
Don't be embarrassed to post any honest question on this forum. We've all had personal questions from time to time and this is a good place to ask. If you are shopping at a bike shop, there should be someone there to help you with fit issues as well.
Last edited by Myosmith; 05-23-19 at 07:44 PM.