What are your plans for the car , sounds like you just want to putter around town , never getting over 3500 rpm , why waste the money , just leave it stock and enjoy . Have you ever put the pedal to the floor ?
Well, 3500 rpm with my 3.23 gearing is like 105mph.
I would then ask, why go any faster. In fact, where can you go any faster on the street.
So yeah, it's far more important for me to get to 105 and having a huge grin on my face, than taking it any faster in a car that does not feel safe to do so in the first place.