Hi I accidentally refer to wrong bike fit and purchase online a 20" Frame Mountain bike (XC hardtail)! While the bike is about 20" (51 cm) Frame , I'm about 175 cm (5 foot 9 inches tall and go 79.x cm (31 inch) inseams .
My arm quite lengthy so i don't have problem to reach to handlebar and no need to adjust my saddle . just nice clearance about 0.xx-1 CM from my crotch to the top tube .. it might hit my crotch (and might ruin my future!) so I will need to very cautious when ride off road
Considering all the cost .. I feel that it will be nice if just keep it and do at road and slightly hard terrain .. but it is safe if I go to XC, rough terrain ? what are the risk ? and any suggestion on how to make it safer and just fit to me ?