The eff passphrase generator has about 2.5 bits of entropy per character (without word separators). Eff recommends 6 word passphrases, and with an avg word length of 7, that’s (only) 79.45 bits of entropy that won’t even fit in the 32 characters. If there wasn’t a password length limit it would be possible to saturate the hash entropy with a 20+ word & 102+ char passphrase.

I’d be totally fine woth 32 characters! But I’ve come across too many websites with unreasonably short (20 characters or less) limits.