you will likely never have both feet on the ground at the same time when riding the bike. One foot on the pedal, and one on the ground at stop lights.
Frames sizes have to deal with your height, length of arms, torso, legs. Buy the bike for the size when you are pedaling it, not when you are stopped. When you drop weight, the bike will still fit you. your bone lengths are still the same.
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Rule #10 // It never gets easier, you just go faster.