There's pretty much no reason to get 32GB right now. No games need it. If they do in the future, buy a second 16GB kit once they're cheaper.
Babernet, here's the thing... yes, SSDs are nicer, but once your OS is on the SSD, what need is there really for that much storage? Putting your games on there gives you virtually nothing but slightly faster load times...
And keeping your games on a second drive means that reinstalling windows is much, much less painful.
I personally never want to have a single-drive system again, and even though I'm going to be upgrading to a system with purely SSDs, that's simply because of the size and portability of them, and not because hard drives are in any way inadequate.
For the average gamer, a 128GB SSD + a 1TB hard drive is going to be the best balance between budget and storage space.