Dealing with beta firmware and production SDK?

I hear lots of nice things about 4.1 beta 3, but never got around to installing it on my iPhone 4 because from previous experience, I need to use the beta SDK in order for it to talk to my device.

However, I'm also told that you cannot submit any binaries for the App Store that were created and compiled using the beta SDK.

So, I'm at a bit of a crossroads, or am I?

Can I put 4.1 beta 3 now on my iPhone 4, and still be able to use the production version of Xcode for 4.0, and still be able to communicate with my iPhone 4, and still submit apps to be released on the App Store? Can I have my cake and eat it, too?

If so, how? Please provide any steps in detail. Thanks in advance!