The stolen bike had a 19.5" seat tube and a 125mm Transfer post. The new one had a 20.5" seat tube, 150mm dropper and 175mm cranks. It was just too tall but reach seemed spot on.
I understand your problem there as I nearly got caught out myself on a mail-order frame that had a longer seat-tube than the bike it replaced. With the 150mm Reverb fully inserted, at max extension, it's my exact max height. A cm higher an I'd have needed to replace it with a 125mm Reverb, but I'm glad I didn't as I use the full travel. I'd never have got shorter cranks to over-come that though - bad idea. Unless you're under about 5ft 5", you should have 172.5mm cranks for an MTB (I'm generalising here, but I doubt you need 170mm cranks). And your legs can't be that short if you had a 19.5" frame before.
A 20.5" seat-tube on modern frames is long, dare I say it, old-school, unless it's a size XL 2018 model. If you really need that much length/reach but not a long seat-tube, there are various manufacturers offering 'long and low' bikes, and that's a good thing. Don't get a 'gate' of a frame just to get the reach you want. If you must do mail-order, really research frame dimensions, and maybe get to a demo-day to find out what reach you need.
