ZT 0500 MUDD. I recently tried out the ZT 0200 and just plain didn't like the handle feel and shape. The 0500's handle is A LOT more comfortable to me, and is very grippy. Lockup is rock solid. It's the easiest and most comfortable folder I've ever tried while wearing gloves (even thick winter gloves in Wisconsin). The tip is thicker in comparison to most other "heavy duty" folders I've seen, so it will probably hold up to prying, although I don't know because I don't pry with mine. The coating will give the blade a longer life, even though it is stainless steel (154CM) to begin with. The cutting edge is right at your minimum of 3.5". Fairly light weight for its size but still has awesome balance and the right amount of heft.
IMO the 0500 is the perfect knife.