Thanks for the replies.

I'm only 5'9" and the reason I gathered my inseam was 32.5" was because I looked at a website that said to measure from the floor to the inside of my leg -which is what I did with a measuring tape. And based on their formula, I guess I would need a 17.5" mountain bike frame. I guess I'm mostly looking for a commuter bicycle & maybe recreational. Really $600 is already exceeding the limit of what I'm willing/able to spend, but if the bike is a great deal (and a proper fit), then I may be willing to make the stretch.

Thanks again for the replies, I appreciate them.