Gentlemen, I want to express my sincere gratitude for your efforts to help a stranger cope with issues. Thank you very much your time and effort to compose detailed answers, so I can have some insights that only experience can provide. I read your responses carefully and will put your experience into practice.
The bike shop set my dropper post at max for my height, like a road bike, but the sales guy said he doesn't ride off road at road bike height as off road bumps can push him off his pedal. So I've been adjusting my seat down, but never thought of lowering the entire post into the seat tube, until now, thank you very much! Now I'm much more comfortable when coming to a stop, as well as swinging my leg over to get on and off. Huge difference!
I understand that 99% manage the tube height, so I will stop thinking of this as a shoe that doesn't fit, and more like a big horse that everyone has to mount and dismount. It is what it is, eh? But, I will reiterate, my Specialized Owner's Manual does say that a bike should have at least 4" of top tube clearance to be safe for off road use. And at the same time, their bikes in S2 and S3 sizing cannot provide that clearance for many of the riders for whom they recommend those sizes. It's their text, not my opinion. Make of that what you will. Also, I realize that bikes have a minimum size to accommodate the 29" wheels, suspension, drive chain, frame geometry, all that they are, so maybe this is as low as a 29" mullet can be.
Perhaps I didn't explain my difficulties properly. I can lower the seat and come to a stop fine. After slamming the seat, I can either step off to the side and lean the bike, or step forward carefully and straddle. My problem comes when riding at full saddle height and I have to stop unexpectedly with no time to drop the saddle. With virtually no clearance, I cannot step forward quickly and straddle. I can only lean over, quickly step off sideways and try not to drop my bike. I know, "everyone" has to learn to do this, and it sounds simple. For myself, it's the tipping over from full saddle height while the bike is coming to a stop that make this difficult. I usually find myself off balance, trying to lay the bike down gently and stumbling away without falling. The forward momentum plus the speed of my body coming down from a full up saddle is more force than I can easily stop and balance on with one leg, especially while moving at an angle. That's why I kept harping on about the top tube height, as it took away the option of stepping forward and straddling, an option I would have if the top tube were lower, or my legs were longer. I've come to realize that my only solutions to these situation are, looking ahead to avoid sudden stop situations as much as possible, dropping my seat when it looks like I may be forced to stop and more leg strength. I never mentioned that I will be 69 next month, so fast strong legs are things of the past. However, I'm not overweight, my balance is good and I can feel my body getting stronger as I ride more. Hopefully, I will better avoid and drop my saddle early to prepare, and get stronger with more saddle time.
Thanks again for sharing so much of your experience. Really appreciate your efforts. Good riding to you!