I'm with you John. Someone at REI tried to measure me at a 16" torso. Technically, they were right–I have extremely high iliac crests, topping out about an inch above my belly button. What she failed to see was that it would do me little good to have the bottom third of my back hanging out below a pack.
What I really like about the Crown is that it has a pretty excellent wrap-around hipbelt that makes it easy even for someone like me who wears a hibpelt a little lower on my hip bones to get really good weight transfer.
As to your true hipbelt, ask yourself where you prefer to carry the pack, then measure that. Especially if your physiology doesn't fit the typical pattern.