Hi Angie. And other YLF chimers-in.
I have a 2 part question/concept:
Ankle pants are so ubiquitous that it's getting to where the selection of fits and fabrics are greater in "ankle pants" than in regular pants, and also, that genre is often styled in a "straight-leg" cut as opposed to a fuller trouser.
Unless I can wear a bootcut or a high-waisted trouser over a bit of boot heel, I like a slightly narrow "straight" leg pant (hem width getting to about 15-16" not skinny) but I still like to wear mine long, with just a bit of scrunch, over lower-vamped shoes like loafers, rather than at ankle length. So it shows some nude top of foot for summer, but is not at all an ankle pant look.

By dint of either my legs not being that long and/or Tall sizes and/or letting out hem, I can make a "long" pant out of some ankle pants and am motivated to do so if the wasit- hip fit is good (as with some brands and curvy fits), if and the fabrication is nice (such as either wool, or blends, false plains, or textures for summer) and the pant leg is the right shape. Such as, I might consider wearing the birdseye pants below at a full length.

I think this formula works for me because it gives me a more comfortable shoe + longer legline in a summer look, and I just like it, but where does pant-scrunched-loafer look fall in the "fashion" continuum? Am I holding on to something that has had its day, or is it still in the "kinder, gentler" variety-friendly zone ?