Decisions, decisions...
Boy! what a problem to have! Wish I could afford to be in your shoes right now!
I am not sure the 232 comes in .357 Sig(?). I thought that the 232 only came in .380 (I am perfectly willing to stand corrected here).
I have never shot a 232 but I have heard nothing but good things. If CC is your purpose, then the 232 might be your gun. They are pretty compact and, from what I have read/heard shoot great.
The 226 and 220 are very similar in dimensions. I like the grips on the 220 better but I like the capacity of the 226.
Also, the 226 is "modular-ish" meaning that with my 226 (originally in .40) I can shoot .40, .357 Sig, 9mm, and .22 LR using conversion kits, slide swaps or conversion barrels. I like that.
If you like .45 the the 220 is really, really hard to beat.
Do not worry about the 220 and 226 being too large for CC. I am 5'8" and 125 lbs and I packed a 226 for a year under an untucked polo shirt before I could afford my 239 (my ideal cc gun, btw).
By the way, are the 220 and 226 milled guns (newer) or the old German models?
With the exception of the 232 it comes down to caliber and capacity. Which do you like better?
No matter what, some day you will want both!
Safe travels and best of luck!