Go with the truth, some places like scaled’s place might discount you straight away, but then, maybe you wouldn’t want to work there.
I had to explain 9 months away once, I told employers I was badly injured (which I was) and had a redundancy pay-out so “took my time” which I did. A few places seemed to think this was a poor reflection on my good character or some nonsense, but it only took me 2 weeks to find a job, they offered it to me before I could leave the car park.
I should add that I was applying for a role that was £15k-£20k less than I was making before and they were getting me on the cheap, but I think you’ll have to expect that with a 3 year gap, they know you’ll be a bit rusty.