Are you sure your inseam is 32 inches? Note that the way you measure your inseam for bike fitting is very different than how your tailor would measure it for a new pair of pants, and it's definitely not likely to be the same as the number on the tag of your Levis.

To measure your inseam for bike fitting purposes, stand with your back against a wall. Place a hard back book between your legs with the spine of the book up against your junk. Lift the book up firmly so that it's pressing against your crotch with about as much pressure as you'd feel sitting on the seat of a bike. Make sure the bottom or top of the book is square against the wall. Have a friend mark on the wall where the spine of the book is. Now measure from the floor to the mark.

Ideally you should be looking at bikes that have a standover height of about an inch less than the measurement you got above. You can get by with something a little higher if necessary, but an inch of clearance is nice.

Definitely don't lower the seat to set more upright as the Dr. suggested. That's very hard on your knees.

Look for bikes with sloping top tubes (sloping down from the headtube to the seattube. They can generally give you more standover clearance with a longer frame.

Definitely the best way to figure this out for sure is to head to your local bike shop and test ride a few bikes until you find one that works for you. Once you've found one, measure the standover ht, the length of the seat tube and the length of the top tube. Then pick out some inexpensive accesory to buy, so you compensate them at least a little for the time they've spent with you. Then go back to Craigslist armed with some useful data.

Good luck.