depends on phase, but yeah, 3500k isn't ideal any way you look at it (though it's not as bad as some kelvins you could have gotten
). Also if you plan to veg with this, the lack of blue spectrum (around 5500-6000 kelvin) will cause a stretch as the plants believe they are only receiving reflected light and will attempt to grow out of whatever is surrounding them (at least that is what they think is happening).
I have had a lot of luck vegging under a mix of 2700 and 6000 bulbs in a 8-bulb 4' t5.
Also, charts are good, but you have to take them with a grain of salt. There is no direct correlation from wavelength and kelvin, since one indicates a specific color of light, and the other indicates the radiation absorbed by a black body (meaning it measures a range of light spectrum). Ideally you would choose lamps which peak in the four chlorophyll peaks, and to do that you'd have to see actual spectral breakdowns for the bulbs.