Truthfully, I wouldn't worry about getting a 3.5 in gun. I bought a Beretta Xtrema with some of the money I got for high school graduation. It is a nice gun, but probably one of the biggest mistakes I ever made. I bet I could count on one hand the number of 3.5 in shells I've cycled through the gun in almost 2 years. I bought it for turkey, duck, and goose hunting. I have killed so many birds (turkeys included) with 2 3/4 in and 3 in shells, it isn't even funny. Save your money on the 3.5 in, and just scout and learn to talk (and look) more like your prey. The 11-87 is a fine gun, and I would scoop it up in a heartbeat if it was offered to me. Well, I'll get off my soap box and let you make the decision for yourself. Good Luck and Stay Safe.
Matt
Matt