I'd rule out a mil-surp and go for one of the price point poly rifles....something like the Ruger American or a Savage Axis. On it I'd plant a Leupold fixed 4x, used.....and likely get it in .308.
Oh wait a minute.....home defense? As in down the hallway....end of the driveway sort of thing. For that I'd go with a used Marlin 30-30 with possibly a used 2-1/2x Leu. Maybe a Leu 1-4x variable. Not an ideal long range rig, but handier up close and faster repeats.
You're asking a lot from one rifle.