i have a 28" inseam and i basically put a little weight on the opposite peg and rear brake so the bike is easier to balance while tip toeing my left foot.
since you live in a hilly area...
i recommend you take this approach since you will have to use the rear brake a lot and wont be able to flat foot.
i'm not against lowering bikes, but don't need it.
its a matter of learning balance.
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