If they are read only after you've copied them to a local drive, merely highlight the files in the Finder and choose "Get Info" from the Finder > File menu.
At the bottom of the Get Info Window, look at the "Sharing and Permissions" section. Make certain your user account has "Read & Write" privileges.
You may also want to boot to the recovery partition of your HDD and repair permissions using Disc Utility.
The FAT32 formatting shouldn't make a difference. FAT32 merely means both the MacOS and Windows can read the flash drive. For Mac-only use, a HFSF+ format is often better. Most Flash drives come off the shelf formatted for FAT32. I tend to reformat all new Flash Drives to HFSF+ when I get them, but I don't even have any need for Windows to read my flash drives.
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