You can ignore the top strands practically since 32 kips is likely far less than what you're pumping into the bottom of the beam ~1000 kips.
You can also account for it if you wish to be more accurate. Just make sure in your model the collective centroid of prestressing and prestressing force...
schvetz,
I recently attended a webinar that discussed a similar situation. They were designing a new curved steel girder bridge and getting very high bearing lateral loads.
Their solution was simply to design the bridge to have free exterior bearings and keep the interior fixed. This dropped...
FEM software usually have a "Verification Manual" where the software developer checks the output against that of hand calculations.
Some of these are step-by-step, some just show the results of the hand calcs and you have to trust they were done correctly.
You can request the verification...
Ultimate answer to your question is yes you have to do a moving load analysis.
You could conservatively assume no dispersion of live load if end result is acceptable (not overly conservative).
Some software may allow you to hard input multiple lane loads which might be able to get the desired...
What are your favorite engineering references for structural engineering? Particularly one's that are less widely known or where you seem to keep going back to it?