I went and did some measuring.
I have Patricia's Legacy which has a 50-inch adjustable strap. I have it on the holes at the top. I measured from my shoulder down, and it comes down to 25 inches on me.
Next, I measured Signature Market Tote (6042). I measured the straps to be 24 inches each. I have it on the holes at the bottom. Since I plan on carrying it in my hand, I'll move it up to the middle holes. I measured from my shoulder down, and it comes down to 12 inches on me.
Next, I measured Weekend Hamptons Tote (4892). I have no idea what the strap length is. It comes down to 12 inches on me.
Based on the above, I'm thinking divide the strap length in half, and the answer will be where it comes on you. But, I have no idea if this is right.