Just to make sure I wasn't going crazy, I copied up the files from 3.2 again and same results.
So to double-check my sanity I am posting the two screenshots
1.) ad_seller (this is seller posting ad)
2.) ad_customer (this is the view of a logged in customer
$11 in this example is the reserve price that I wouldn't expect to see as a customer because the seller left the option "Allow Users to Buy your Ad via Paypal immediately" = No