I used 2 3/4 tc rods for many years and for most of my fishing they were fine. I could cast a 3oz lead about 120 yards (on a good day) and that was more than enough, and a little more for the waters I was fishing. As soon as I fished waters with any amount of weed though, they simple were not man enough to deal with the higher bs lines required or any PVA bags of any size other than tiny.
3.5 tc does sound scary and in some cases for good reason, there are some real animals out there. Many of the budget- mid range rods are fairly tippy though, making them more of an all round tool, rather than specialist blasting to the horizon kit.
You have just got to be aware that if you really give it the big heave ho the power in the butt will kick in. I personally use the original prodigies in 3.5 tc for distance work, but if a situation presents itself I am perfectly comfortable using them literally inches from the bank. You would think that it would be like dragging a fish in on a pool cue, but they are actually quite forgiving and nice to use. Like I said the real power in rods like the prodigy only really comes into play once the tip section is bent right round and almost locked into its full curve.
In answer to your question I do think 3lbtc would be a better option but 3.5 better still if the rod you choose has a tippy action.
