On my '98 TJ I have 32/11.50/15 with OME suspension and 1.25 budget boost. I rubbed hard when I stuffed a tire. I went to tube fenders and haven't had a problem since. I don't think you'll be happy with 32's and no suspension lift. Just my opinion.
Here's a really good summary of gear ratios.shano63 said:Re-gearing has me all confused as well. Next time I buy tires they will be 33s.