Wow, thank you for all of the responses.
I called multiple shops in NYC and found one that is doing “Guru” bike fits and I made an appointment for this weekend. Seems like some sort of adjustable bike used to find an individual’s ideal position? Hoping $375 is reasonable since these measurements will still be relevant for some time.
Hoping all of your advice is correct and just some saddle, stem, and handlebar adjustment/replacement does the trick rather than a new frame but I guess I’ll be finding out soon.
Thanks again I did not expect nearly this many responses.