In general, sleeping bag ratings suggest the limit of comfort, that is, the lowest temps at which you'll be comfortable using a bag. A 32 degree bag is good *down to* 32 degrees, and most people would at that point probably want to sleep in at least a baselayer, if not baselayer + extra insulating layer (i.e. a fleece).
A 32 degree bag is a good three-season bag for most people and thus is often recommended by gear guides (because the bulk of people who hike and camp aren't likely to be out much below freezing). If you think you'll be out in temps below freezing, consider a 15 or 20 degree sleeping bag or quilt. When I was a teenager with no "natural insulation" of my own, I slept happily in a 20 degree bag right through the summer months (night-time temps in the 50s/60s), so a lot of it just depends on how hot or cold you sleep.
What is the rating on your current sleeping bag? Have you used it down to the stated temperature? Try setting the thermostat to 50 degrees in your house for a night as a simulation (or pitch the tent in the backyard if you're able) and see how your current set-up feels. Adjust accordingly.
I've been in the northeast most of my life. My system looks something like this: In the warmer months (say, May thru mid-September), I find I can get away with a 40 degree quilt, sometimes pushing the temp rating of the bag down to about 32 using an extra warm layer, hat/buff/etc. Outside of those months, I carry a 20 degree quilt, and if I'm out in the dead of winter, I bring both and layer them (heavier than a designated winter bag, but cheaper, since I rarely do more than a couple overnights in the bitter-cold months).
Long story short, a 32 degree bag should serve you well if most of your hikes will take place during the warmer half of the year. A bag with a 40 or 50 degree rating may save you a few ounces, but it is a more specialized piece of gear and you may find yourself wishing for something a little warmer outside of the height of summer. When it comes to sleeping bags, it's better to be a little too warm than a little too cold. You can always unzip to vent if you get hot (quilts make this even easier).
