aloha lucky54, 3.2 versions are still the way to go but that's more for those who use wads and HB. If you don't want either, then updating will not hurt you. The 3.2 is the way to go if you want the best of both worlds and the option to use wads/virtual console and the like. If you are still unsure, you can always add homebrew before you update if you wanna have that option in the future. If you want the sd memory increase for 4.0 then you can upgrade. I know in the near future more and more of us that either softmod or hardmod will eventually have to upgrade but that will take time.
It's all up to you. Goodluck... let us know what you do.
If i've helped, pls press a thumbs thanks