Polygon 7E stance height vs my inseam

Looking at an 7e , the stance height says its 26.85 on a medium , my inseam is 28 with pretty low shoes almost flats . Im 5'6-5'7 . The online size chart and helper all suggest medium frame, that puts my crotch only an inch above the stance height , everything ive read online says i need at least 2 inches for safety and maybe the polygon isnt a good fit for me at all. Is this as if im standing over the bike off the seat like my crotch is a little of an inch over the top tube?