I have multiples of 65/75mm in hdzero, dji, and analog with mixed components. comparing a 65/75mm to a 3" would make the 65/75mm seem pretty similar, comparing the 65mm to the 75mm would be noticeably different. the only time ive broken an o4 is flying it on a 65mm inside, I personally think 65mm is too small for the o4. It really depends on what type of flying you want to do though. If you are looking to learn freestyle, a 65mm analog with 5in1 aio is hard to beat. My custom 65mm analog is my most flown drone because I can power loop my dining room table while drinking morning coffee and its 'only' $50-$60 if somehow break the aio. If you just want to do outdoor cinematic flying, then a pavo20 series might be a better next step.
edit: love the Pokemon lol