Standover clearance

How many inches of standover clearance do people with a inseam making up 49-50% of their body have on their bikes? Does it matter if I have a lot? Size up or down?

My legs are very long but I have shorter arms and torso and wondering if the standover clearance actually matters in the sizing since sizing up on a bike would give me less standover clearance (which would be closer to the “recommended”) and would accommodate my legs more but would also increase the reach.