3"? Is that still even a fat bike? I'd imagine that would feel a whole lot more like just a regular mountain bike....a lot less cushy.I have two fat bikes . One I bought and one I built . The one I bought is a 2x2 with 4.0 tires and while underpowered, 350 hub in rear and 250 hub in front it does okay . It's fun to ride in the desert and on bike trails . The noise doesn't bother me as Viet Nam and riding Harleys pretty much screwed my hearing . It's a mountain bike style but being hub drives doesn't climb as well as I would like but then I am 70 years old . The one I built is cruiser style , Fito Modena GT2 and has a BBSHD with 52v battery in it with 3" tires . It is pretty powerful and is fun to ride also . While I haven't ridden it too much due to back surgery before even being finished what little I have ridden it has been great . It's an upright position rather than leaned over . You might be better off building your own as it's not that hard and a hell of a lot cheaper .
I chickened out on buying a fatbike. Too many people told me I'd hate it. Too mushy feeling. Too much drag. Too much self steer. Only good for sand and snow. The fat tires are no substitute for suspension. I ended up buying a plus bike with 2.8"x27.5" tires. I don't notice any negatives...run them at about 15psi and they stick like crazy and feel really smooth. Thinking of going up to 3.2" tires....that's in the fatbike vicinity. Maybe I'll get the best of both worlds?I have a Haibike Full Fat six 7 - ( Yamaha ) - Nothing better on the rail trail and fire roads. Urban riding is perfect for potholes / jumping up and down curbs ect... Love it for single track trails also - I can enjoy almost anything the ride up is afun as the cautious decent. If the bike is not nimble enough, the trail isn't my speed - I'm near the beach and love it for sand, and yes when the snow hits I dress for it and love it