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You're a junior so you have time. My two cents. McKinsey and BCG both value networking minimally. Bain a little moreso. Networking is for your benefit only, or if you can get on shortlists for full-time. I got on the BCG shortlist by getting a internship final round last year, but it's just some emails. I got on the McKinsey shortlist bc a student advisor at the career service office was working there full-time, I built a relationship, and she added me. That's some zoom calls, private coffee chats, a dinner, some in-person events. 

Bain also has a shortlist (they did a private dinner that some people I know were invited to), but I'm not on that. I think they do school recruiting, so no point focusing in on an office. A group of school alums review your resume, and then distribute to offices. McKinsey recruiter reviews your resume, not alums. No idea what BCG does.

T2 (OW, LEK, EYP, Deloitte S&A, S& etc.) might be more loose with resumes and def value recruiting more -- but that's just what I've heard. I know somoene at OW who got an offer with a 3.3 with a lot of networking. I know Roland Berger has a networking tracker they ask associates to log when they have a coffee chat.

IMO 3.5 will still be hard unless you're a shortlist or have a name-brand internship. This could all be wrong -- I'm just a senior, nothing special. Just things I've picked up on. Good luck!