You are getting confused here by 32 bit support. The 32bit app support (or library support) you are referencing in regards to macOS 10.15+ refers only to macOS apps, not Windows' apps. Codeweavers' CrossOver software and the other WINE based apps you are using or referring are 64bit macOS apps. 32 bit macOS library support is not needed in these cases.
CrossOver does indeed support 32 bit Windows apps even on Apple Silicon M-series Macs, however, they are likely to have performance issues. From a quick search, CrossOver and WINE must utilize wine32on64 to allow it.
https://www.codeweavers.com/blog/jschmid/2023/2/14/presenting-crossover-221-the-hallmark-of-this-holiday
https://www.theregister.com/2020/11/19/crossover_apple_m1/
A lot of things can impact Windows app compatibility when using WINE. A new WINE version may easily break something that has worked previously (perhaps even years). A macOS update can change the behavior of the system which could greatly impact WINE. A different version of the Windows app may greatly affect compatibility & performance as well. This is why some WINE based apps allow you to install other older versions of WINE. If you find a version of WINE which allows a particular Windows app to run, then you should note that exact version of WINE and any tricks/options you had to enable or configure to make it work. Then do not update that version of WINE since a later version could break something.
Getting Windows software running using WINE in any of its forms is complex, challenging, and always changing. It is great when it works for a particular app, but many times the Windows software will have issues or not work at all.
Here is a good thread on the Codeweavers' CrossOver forum which explains some of the compatibility issues and performance differences for Windows software using various systems (Intel Mac running macOS 10.14 or earlier, Intel Macs running macOS 10.15+, and Apple Silicon M-Series Macs).
https://www.codeweavers.com/support/forums/general/?t=27;mhl=248755;msg=248533#c2
Here is another post later in that same thread which I found interesting since it discusses compatibility:
https://www.codeweavers.com/support/forums/general/?t=27;mhl=248755;msg=248533#c6
AFAIK, there is no option to allow running macOS 32bit software on any Mac running macOS 10.15+. WINE is not meant or able to run macOS apps. If you want to run older macOS 32 bit apps, then you need to run an older version of macOS 10.14 or earlier as the others have already mentioned.
You need to clarify clearly which 32 bit libraries you are referring.....macOS or Windows?
If it is just Windows apps running on a Mac, then you should just stick with what has worked in the past. Trying to run Windows 32 bit apps on macOS 10.15+ is different since another layer had to be added to WINE for it to work, and Apple Silicon M-series Macs changes things even more. Each of these major system change makes it more likely that some Windows apps may have issues on a later system or OS when you may have had it working perfectly fine on Mojave. This is far from a simple process. People have been struggling with Windows software using WINE from the beginning even on a non-Apple PC. WINE has come a long way, but it is far from perfect. Like I said before, it is great when a Windows app works using WINE, but it is far from being guaranteed.
I hope this helps.