You mention having a 28.5" inseam. Is that a pants inseam, or a cycling inseam? My pants inseam can be 1.5+ inches shorter than my cycling inseam. So, if a bike had a 32" standover, that would be roughly the same as my pants inseam, but would not be anywhere near an issue for me because my cycling inseam is closer to 34". Have you tried the bike with the 28.4" standover?

Can't say that I would worry about having little or no standover height. Having ridden more and less for decades, I've never had an injury in that way (plenty of other injuries though!). The closest I've come is landing a thigh hard against a stem/top of fork and that took some particularly dumb behaviour on my part and was on a bike where I had plenty of standover clearance.

Part of the reason I don't think I've had much issue is that I tend to land on my toes first (not flat footed), and/or that I tend to land off to the side (so I'd hit off centre on one thigh or the other and with the bike leaning). The number of situations where one is out of control and lands with both feet equidistant from a perfectly upright top tube seems small to me. Accidents come in all shapes and sizes, and I think one is far more likely to be hurt in other ways. In addition, there are probably accident scenarios where one can be injured landing on a top tube even though there is plenty of standover.

Also, for people who ride moderate or long distances, a lot of other fit issues are critical (eg is the saddle height and setback right, is reach to the handlebars right) because these will be part of the daily experience and having them wrong is likely to cause serious pain and long term injuries. On the other hand, a potential accident injury due to high standover height is just that: potential, of uncertain likelihood.

That said, since it is a concern, in this era of compact geometry bike frames there ought to be a fair number of bikes to choose from with standover clearance for you. I suppose a person with very proportionally short legs might face some challenges.

Last note: when I am seated on the saddle, I can barely put a toe on the ground (just). I can't put a foot down flat while seated. I don't find this to be an issue around town, but your experience could be different.