Technically I should be using 180's on the MTB. Fit Calculations say so (basically ~34" actual inside leg).
My height is not a lot though.
And no you're not always moving around on a bike so go for the best fit you can get. Even then you're legs will be bent and may enjoy the extra stretch it just gives you.
I wouldn't ride with my seat to high or low just because I'm moving around ;-)
170 often come on the smaller bikes as shorter legs are the average.
175 the standard for say ~18"+ (ctt)
I wouldn't fret to much about it though