I'm just under 6'2" and honestly, i have no problems what so ever riding my 20". I agree, go 2nd hand. Look on ebay for a nice onza or something Whether you ride mod or stock, watch some of the ''mod vs stock'' videos on youtube, this really gave me a clear picture of which one i wanted to go for. General rule is: 20"- street 26" natural. But, i love seeing the odd 26" on street Just keep watching videos and you'll make your mind up ) Hope this helped. Mat.