Agreed. If you want to play it safe just look at schools in the 50's range and up. You can also find a few schools who have a slightly lower required GPA (2.5 or 2.75) if you are worried that the 3.1 won't be "far enough" above the usual 3.0. Really that is a minor issue, so just start at 40-50, pick 2 schools from there, pick 2 between 50-80 and 2 that are 80+ or so. 6 schools is a good number for people trying to be conservative money wise and you shouldn't have a problem getting accepted with that set up.