I'm a 3.49 170, had my apps in early-mid November, and I'm in at Penn, Cornell, and Michigan with a Dean's. So based on my experience, you don't necessarily need to freak out about applying in October or EDing.
Is there anything else on your app that stands out? Work experience? Graduate degree? Hard major/school?
I'm curious, mainly because 3.49/170ers that are very vanilla/bare bones usually don't fare well ...it's good to see you kickin' ass! I would have killed for a dean's to UMich.