Krzysztof I went through the same circle of thought.
3.6 or 5 basically the same price.
3.6 nominally more efficient at lower powers ( most efficient when inverter running at close to ful capacity)
5 kW allows for better export.
5 kW More likely to cover house loads, reducing import.
( Assuming battery 3.6kW, plus PV)
Big thing for me was reading about G99, G100 fast track, and various posts telling of months waiting for the G99, blocking install. As I wanted to avoid delays, I did a whole analysis of how often I would have more than 3.6kW PV + a full battery.
In the end I went for a few more panels, and the 5kW inverter. : -)
The worries over the G99 were overdone. The process is very dependent on who your DNO is. Mine is UK Power networks. They have a newish online system for applications, SmartConnect, which allows the installer to do it all online. Also recently they explicitly say that although you need to take the G99 route, they will INSTANTLY accept 5kW applications, by return of email effectively.
Most impressed with UK power networks, despite them primarily dealing with Installers rather than the public, direct phone calls to them were like a breath of fresh air compared with dealing with my installer (F4S). They were also happy to hurry on the Export MPAN, mail me straight back the acceptance email when I struggled to get it from the installer.
So in short depending on DNO, G99 is the installers problem, and can be quick. The 5kW and "one more panel" where you can would be my reccomedation.