I can’t help you or advice you anything . But my sister didn’t properly speak till she actually went to pre school my mum was worrying as well as you but we have 2-3 languages in our family it was much harder for her but she is 8 now and she is doing absolutely doing amazing. Your words about your not talking till 3.5-4 literally made so happy my daughter is only saying a few words and which nursery said she had speech delayed which I was aware of from when we had an appointment with health visitor (2-3 languages isn’t a joke and she is struggling) but I am sure you daughter is ready, you still have a good 8-9 months to go xx
When you say preschool do you mean school/reception? My daughter is definitely ready. Also I think it's quite early to make a decision about it when they aren't due to start for almost another year and a half plus we don't need to apply for another 9 months and a lot can change in that time. Id personally revisit this decision closer to the end of the year if you are still unsure. Understanding is the main priority in communication which you have said is good.