Get yourself into a LBS and have them
find you something that is just right for you. They can swap out stems
and handlebars and seats (for a small upcharge usually, sometimes
they'll do even trades) and get it dialled in. Mail-order shops can't
do
that for you.

There are no small charges at an lbs. They will want $30 for a stem
you can get for$10 online. LBS have crappy return policies. Order
saddles online then you can return them . Or get a Brooks B17 and be in
bliss. I wouldnt hesitate to buy a bike online.