I think I may have found my own answer.
P25 is P25 and the BCi25D card inside my BC785D will ALWAYS be able to receive and decode P25 digital voice traffic on a normal single frequency system.
I believe I just found that the 3600 baud only applies to a P25 Trunked System where the control channel data either flows at 3600 Baud, or on newer systems at 9600 Baud.
As long as I do not care about listening to trunked systems that use the faster control channel, I should be able to listen to places like Waltham PD when they switch to a P25 digital voice channel, vs their current 131.8 PL analog voice system.
Anyone want to confirm or correct what I just said?
Thank you,
Squelchtone