When I bought my last bike a couple of years ago I was supposed to get a free fit. The day I bought the bike, I rode it home and never took it back as I was happy with the seat height and angle adjustment I did on my own. I experimented with bar height and angle after a few rides and was satisfied with it as well. At my age, fitness level and riding skill, I don't think it is as important as it would be were I doing centuries or racing.
I also have a couple of old steel bikes I like to casually ride. One of them is a size too small and one a size too large but for the little 15 or 20 miles I rides I do with them, they cause me no issues. Were I trying to achieve best performance I think the correct frame size would be more important. But for enjoying the sound of a freewheel and the feel of non-indexed down tube friction shifting they are just fine for making me not feel fifty-plus for a while.
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"It is the unknown around the corner that turns my wheels." -- Heinz Stücke