The camera will add a few inches, but yeah I think you will be bending over to use that tripod. How's your back?
A ball head is faster to move the camera into position, but not as precise. By precise, what I mean is that the ball moves in two axis at once (forward/backwards tilt and a left/right tilt). So I find it difficult to precisely position the camera. With a pan head, I move one axis at a time, so for me, it is easier to be more precise with a pan head.
I think it is easier to build a decent cheap pan head than ball head.
I have both ball and pan heads, and I will use whichever head best suits the job. In fact I had one shoot where neither worked well. So I bought a 3rd type of head, a gimbal. So for me, it is important that the head be removable, so that I can swap in the best head for the job. I have 1 ball head, 3 different pan heads, and a gimbal.