There are numerous threads on this very topic.
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Personally, I go with the thinking - size matters but it's not everything. Like you say, if it's 3 inches it might be a bit of a challenge. But really, I'm not too upset by a challenege. No I've never been with a 3 inch penis but I could see a guy having enough other assets to make me still interested in him. I'm in this for fun - not to waste time judging one specific part of a person's body. There are a lot of other factors that are of more importance to me (ie - personality, attraction, etc. etc.). Big dicks are appreciated but not necessary in my books.