Thats not too high, but regardless, thats why I always say 3.55 max! I believe it would be possible, but I don't know of anyone who makes such a gear. A t-56 wouldn't help you, it just adds another ration in between. On a t-5, your rations are 1:1 4th and .68 in 5th, the t-56 has 1:1 4th, .8 5ht and .62 6th. Little difference there in the final drive (.68 vs. .62) but I don't think it's enough to make any appreciable difference.
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