Hey
@-ROCKY-: If the bike shop cuts off the bottom of the seat post, how are you supposed to know where the minimum insertion line is? That line is marked on the post by the manufacturer so you don't accidentally leave too little post in the bike and end up breaking something and/or getting hurt.
And I always heard that if you're between sizes, it's better to go with the smaller frame. The important things are seat/knee/body position over the cranks, good standover height for safety, and comfortable reach.
Easy test for standover is to stand flat-footed on the ground, in front of the seat, and be able to lift the front and back tires off the ground simultaneously-- maybe two inches for each tire.