Senior Member
Join Date: Aug 2009
Location: Minneapolis
Posts: 5,750
Bikes: 2022 Salsa Beargrease Carbon Deore 11, 2020 Salsa Warbird GRX 600, 2020 Canyon Ultimate CF SLX disc 9.0 Di2, 2020 Catrike Eola, 2016 Masi cxgr, 2011, Felt F3 Ltd, 2010 Trek 2.1, 2009 KHS Flite 220
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As the OP says, there are many moving parts. Typically, saddle position is determined by its relation to the pedals and crank - making sure that the knees are in the right position when the foot is forward and that the leg angle isn't too large or small at the bottom of the pedal stroke. From there, upper torso position is adjusted by adjustments to the front end plus saddle tilt.
Yeah, if you're getting rid of this bike in 2 months, then no point in getting a pro fit. But soonish.
BTW, in the summer months, some of the more popular bike fitters in my area are booked out weeks in advance. Plan ahead.