Allan …
We're about the same height. (We also live the same distance from the equator allowing us to enjoy year-round ebiking!)
Judging from the photos, it appears that the saddle can be set at the lowest position even with the traditional rack installed; so, the answer to #2 is 'No!' Here is the 'evidence', courtesy of Photoshop…
View attachment 40264
My personal opinion:
- If you can place both feet on the ground when stopped, the seat will be set lower than the 'correct' pedalling height but…
- this can be overcome by using a dropper post which will give you two heights (low when stopped and high when pedalling).
- A dropper post will also make it much easier to get onto the bike, but only with the traditional rack (above) removed.
Maybe, a 75mm dropper (usually the minimum up/down range) will be just right – it is for me on my Homage which has a 49cm frame. Whatever you do, don't choose a dropper post with an excessive range which will propel you so far skyward that, when it's in the 'up' position, your feet won't be able to reach down to the pedals!
… David