1.32V isn't too bad, you could keep pushing it up to around 1.4V but double check to make sure your temperatures stay within reason. The absolute max that I would ever go to is 1.5V, and I wouldn't really run it 24/7 that high.
If you're a rookie you can always let an auto-clock program do the work for you. (Some people claim these are unsafe but tom's did an article about them and found no issues).
Honestly, 4.5Ghz is a pretty average overclock for the 3570K and if you can't get it higher you may have just gotten a chip that won't go any higher.
Alright Thank! Do you recommend any auto tuning programs?? My motherboard came with easy tune 6.... is that good?