If you put 35% on your windows you will only have slightly lower than that even with the factory tint. The numbers won't add together like that. I put 20% vlt (visible light transmission) with 11% reflectivity on my United Grey Fast. I usually don't like the mirror stuff, but this tint has a "gunmetal" finish that really looks good on the UG car.
Anyway, I put a light meter on my window and it came up at 19% vlt. Different tints will rate differently, though. Just because you put a 20% vlt tint on your window doesn't mean it will be exactly that number. It varies by tint manufacturer. The numbers are a good guide, but more importantly get what looks good on your car.
The cops in NY are total dicks about window tint; especially the state troopers. I used to live in TX and everyone has dark tint down there. The cops couldn't care less.