For someone with neck issues I'm guessing you want the seat to be level or slightly lower than the bars. If that's the case I'd consider getting a 56cm frame in relaxed geometry and run a shorter 70-80mm stem. The will get you a fairly tall ~190mm head tube and won't force you to run a dorky high rise stem to get the bar position you're seeking. This assumes 32" is your cycling inseam and not your pant inseam.