A forward facing car seat is outgrown when one of three things happens; the child goes over the weight limit (if its an older car seat than its likely only 40lbs), the shoulders go over the top harness slot, or the tops of the ears are level with the top of the car seat.
When forward facing the harness should be at or above the shoulders. If she's above the top harness slot she's already outgrown it and needs a new seat ASAP.
She's only 3.5yrs old, she still needs to be in a 5pt harness. Kids aren't physically or mentally mature enough for a booster seat until around age 5/6, and then its best to wait until your child is 50lbs or more so they can properly be restrained by the adult belt.
Here are some higher harness weight seats that will fit your child for quite some time yet, and will also booster so the ywill be the last seat she needs.
Britax Frontier, $300 will harness to 80lbs andbooster to 120.
Graco Nautilus, $150 will harness to 65lb sand booster to 100 (and a no back booster too)
Evenflo Maestro $79 will harness to 50lbs.
Evenflo Generations 65 $99 will harness to 65lbs
These are all three good options for taller children and the bottom three won't break teh bank but are great seats and make good boosters too.
Also moms, be sure to read the manual to your car seat! It explains in detail when the seat is outgrown, both rear facing and forward facing, how to position the harness and your child, and also the weight limits. There are no seats on the market that harness to 100lbs, but if the box says 100lbs its a booster to 100lbs, and only a harness to 40lbs (or 50, 65, 80 if you have an extended harness seat like those listed above). Reading the manual is way more important than anything else when buying a new seat, or even reading the manual to a seat you already own. Everything you need to know is right there if you just read hte manual.