If you are toned and have a 32 inch bust,
then you have a very femalish upper body.
Good for you.
I'm similar, very small frame,
but I had much more muscles on it than you.
I had a 37.5 inch bust and 35 inch around the thorax
(now 33 on the thorax, and still an inch of muscles to lose).
My bust is 38.5-39 inch (never seem to get a stable number here),
but its NOT muscles hehe.
The funny thing is that my bra cup keeps going up as I lose muscles,
I started with a 38 band, so I had a 38A first, then for a short while, a 38B (but 38B was by then too loose in the band) so I used a 36C which I'll probably top up by late autumn.
The way its going, I'll end up with a 34DD (hehe). As you go down in muscle bulk and thus band size, the breast looks bigger even if its barely going up in size.
The fun think Lucy is that with a small thorax, even a small amount of breast tissue shows quite a bit and its also more likely that you'll get good cleavage (mine is coming along quite nicely :-).