I totally agree with gpgr4blu. You could always the Ref 150 upgraded by ARC to the SE version later if you felt the need.
The difference between the Ref 3 and Ref 5 is not that big. The difference between the Ref 5 and Ref 5se is much bigger. The difference between the Ref 3 and Ref 5se is substantial. The Ref 5se is just magical with a huge holographic soundstage. If close my eyes and I would swear there is a piano in my living room.
I also agree that isolation is very important. When I went from a Solidsteel rack to a maple rack I could hear an audible difference. Maple sounds smoother, less mechanical at least with tube equipment. I noticed the biggest improvement with my amp. I now have a maple Zoethecus rack with the Z-slabs. Each of the shelves is layered with RF shielding. I have each piece sitting on large stainless steel cones. The other thing that made a big difference was replacing my power cords with Shunyata Alpha HC cords. They just enhanced all the great qualities of my Ref 5se.