3.5" are slower in velocity than a 3", they just throw more shot. VELOCITY KILLS not amount of shot you are chunking out there. I shoot reloads through my Benelli M1 and kill geese and ducks from close range to 50 yards. 3.5" are good for turkey's but not much else.
Buy what feels right....I have had no trouble with my Benelli. If I were to buy again, it would be a SBE II or Beretta. I just like Italian guns. The other guns mentioned on this link are also quality. I would buy about anything but a Browning Gold. I have a buddy that has had mucho trouble with his and it is jap made.