I am assuming your 3.2k and 5-6k are kw and not cost of panels in thousands.
A tracker will always loose in value and practicality. There was a time where a case might have been made for them for grid feed. But this is where there was a 66c FIT and you where not allowed to add any more panels or you loose your FIT. Or of course back in the 70's-80's when 80w was huge and worth a fortune
A tracker adds complexity to he install, it gives you more moving parts to breakdown, can be a real worry in unusually high winds and depending on where you live, can take up valuable ground space for no benefit and depending on surroundings, can be harder to get clear sky for than the much higher roof mount.
If you live in the suburbs with only a quarter acre you won't have a big back yard. A good bit of homework would be to find out the dimensions of 3.2kw of panels and set this out on your lawn where you plan them to go. A lot of newcomers to solar will look at numbers without realising just how big an array looks on the ground in their backyard.
As far as I understand a tracker will only increase production by around 30% on average (people will have varying opinions on this) this means less than 2 kw extra on the roof of reliable, out of the way panels are all that is required to break even with the tracker.
You won't get a tracker built to reliably swing 3.2kw of panels in unusually strong winds installed and wired for anywhere near as little as an extra 2kw of panels on the roof.