Not confusing at all, thanks for all the info - exactly what I was looking for.
The Miyata did catch my eye when searching for a bike. Has good components, looks good, and now that you mention it I would still have money in my budget to take it to a bike shop and tune it up. I messaged the seller about the frame size and he said that from the center of the seat tube to center of crank is 52 cm and that the stand over height is 31". Would this be an alright fit for me? I would go and test it out but he's a decent distance away so I'd rather not drive there for nothing. Is 1-2 inches extra big factor in regards to stand over height?