For home defense I don't think it matters whether your gun has a steel receiver or an aluminum trigger guard. After all, are you going to be banging it around outside a lot, or keeping it inside by your bed? You said personal defense, not military spec ops.
I picked the 1300 Defender because it comes from the factory with the bigger magazine already on it, and I want extra follow-up shots without having to modify my weapon.
By the way, I've put hundreds of 3" mag. rounds through my 1300 without a hitch. Seems plenty tough.
Whatever you buy, practice, practice, practice. Otherwise, you're just poorer and the owner of a dangerous knick-knack.