check out the new Monitor Audio silver RS line The RS 6, RS LCR, and the bi-pole/di-pole RS FX surrounds would cost $2300 MSRP. Even though Monitor Audio dealer don't give much of a discount, buying the complete set should get some discount. You could step up to the RS 8 (instead of the RS6) for about $2800. Including the SVS Sub should keep you close to the $3500. These are awesome sounding speakers, and the finish is very, very nice. The December Home Theater has a strong review of the RS 6 system.
while Monitor Audio doesn't have any authroized on-line dealers, if there are no local dealers MA will allow a dealer to ship to you. I have dealt with a dealer this way, and it worked out well.
They have also just announced a new version of their gold line, so the current line should be going on sale soon. The GR20 system would retail for about $6000, don't know if it would ever hit $3500 though.
If I can help, let me know.