I know "legal" for you is 32%... but that's just a general number they toss out. Just like the "speed limit" is "65". You can cheat a little bit and have nothing to worry about.
Here in Cali, legal is 70%, which is almost clear. Most of us go with 35%, or even 20%, and are fine.
Go with 20% all around. It will look great. If you're REALLY worried, go with 25% or 30% if the shop has it. If you are within 15%, the cops will never even be able to tell the difference if they try.