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@qckpckt
Yes yes, very good. I'm not suggesting that it's good as the sole way of judging that a bike fits or not. Nor would I recommend it to someone while they were getting a bike fit.
However, I still think it's a pretty good rule of thumb when it comes to stems. It's always helped me, anyway.
If you're a giraffe, or that dude with no neck, then you may want to consider not using this, but just as human physiology falls under certain upper and lower limits when it comes to arm/leg/torso ratios, generally human necks are of an average length between two extremes, and I can't think of any situation where a standard road bike will fit if the hub is inches in front or behind the stem, when you look down at it.
It's a rule of extremes, rather than the preciseness of measuring the length of your arms/legs and adjusting things based on that.
And as such, I think it's a justifiable question to ask when you see a bike with that much saddle and that small a stem.