I'm 5'5" with 28.5" inseam. Ride street-bike with 32" seat-height perfectly fine. My 250 track bike has rear lifted 1.5" and front lowered 0.5" with 32" seat-height also.
With rear-end lowered, there's severe handling issues that pops up:
- turn-in response is severely slowed-down due to more relaxed head-angle. Changed 1-degree for each 20mm height change. So you've reduced head-angle by 5-degrees
- front-end will tend to wash-out coming out of corners, you'll run wide often
- rear wheel-rate reduced, so suspension will move more for same bumps, causing bottoming more frequently (even if travel hadn't been reduced by lowering)
Here's some riding-tips to deal with tall seat. Don't try to stay in centre of bike, you'll fall off one side or other.
Try this:
Link to original page on YouTube.
Some tips (turn on subtitles), lots of these videos. Always have one foot fully on ground, slide butt-cheek off seat:
Link to original page on YouTube.
You can get boots with 2-3" thicker lifted soles.