I'm not a boater and I don't know what your experience level is but taking cues from my Father in Law's mistakes, I think 28-32 is too big a boat assuming your a first timer. I'd also caution against anything other than a center console or bow rider/ski type boat due to the windage.
Similarly, he retired, built a house with a dock and bay access. He bought a boat on a recommendation from a friend. It was a 24' Bayline Ciera Sedan with head, galley and bunks. I/O with V8. Only had seating for 4 and a hard top.
It looked like this.
He never had an enjoyable day on the water. The boat didn't carry all the kids/grand kids comfortably, it was difficult to maneuver at the dock in any appreciable wind and he never got comfortable enough to do overnights to make use of the cabin.
When he decided to sell, he took a big hit because, well it was a Bayliner.
If I were to counsel my FIL with hindsight and assuming you have the means, I would get the best Grady-White or comparable center console, second hand, 22' or less that you can afford. Once you're sure that the boating life is for you and you get comfortable handling the boat, you can reassess your needs and go from there.
If you take good care of it, with a high-quality, in demand boat like the G-W you shouldn't take a big loss when you decide to either move up in size or get out of boating.