So after weighing my options and actually finding two 3.52 ratio transmissions within "reasonable" price range... I decided to buy into the upgrade... Had to do it at some point during this build.
I found a fairly local 3.52 trany for $400 but no real guarantees other than the Swift it came out of was running when pulled, and no mileage info...
And I found another 3.52 trany across the country in South Dakota, with known mileage, tested, and with 30day warranty, shipped to my door for $300... So I bought it today.
These things are hard to come by, I have been looking for some time now before I started the build without any luck. So I had to jump at it, and I guess $300 for this specific ratio trany is not too terrible compared to other mod prices...