The only way I found out that the XM radio online was free in conjunction with your paid subscription is because my wife called for technical assistance. After my free subscription ran out, I registered online but the radio didn't activate for several hours. When my wife called for assistance, that's when they told her about getting the online radio for free on your PC. You can listen from any PC that's hooked up to the Internet. You simply register first on the XM radio website, then go back to the website on ANY PC and type in your e-mail address and your password (the one you set up during registration on the website).
You get stations 4-16, 20-34, 40-48, 50-54, 60-67, 70-78, 80-83, 90-95, 101-102, 110-113, 116, 133, 150-151, and 202. I'm not sure why the other stations are not available for the "free online".
So to answer Truckin's question - channel 32 IS included. Hope that helps.