35mm does test you, but it is nowhere near as bad as some might suggest. I have never found dust or scratches a regular problem, but then again I use a diffusion head.
As for dust that does cause blemishes on the print, its well worth putting in the time to become seriously good at spotting. This will mean that when you are not only able to sort out dust marks, but damaged negs too.
I have had some negs affected by air bubbles during development. One seriously important neg (645) also ended up with scratches (no idea how) and I have to print it perfectly, which entails bleaching back the dark spots on the print and then spotting them out along with the scratches once dry. The straight print looks a mess, but the spotted one looks absolutely perfect. Sure, it takes me a while (about an hour of extra work per print), but its important. 35mm teaches you to be really good at this stuff and once you are, it is a breeze when dealing with prints off bigger negs. Most of the time spotting takes anything from zero to about five mins per 16x20 print, so big problem it is not.
PS As for Tmax or D3200, I only very recently used the former and found I prefer it. Much finer grain and higher resolution, but somehow a 'colder' look to it.