Buy a Mosin, still cheap. Reloadable ammo is affordable as well. And you can modify it all you want. Improve it for target shooting.
Point is, it "can" be used for home defense ... I got mine in the kitchen, bolt open, with an open box of ammo on the spice rack lol.
But also, it's cheap, and you can now also afford a shotgun for just home defense.
Which is my next weapon, my wife to be told me she's buying me a shotgun after our wedding, due to the fact that my birthday us two days before our wedding (no way I'll ever forget our anniversary lol add two days to my birthday)
Of course we also have two handguns in the bedroom
Para LTC 1911 alloy frame (mine, loves ... ammo
"Marushka" 1937 Mosin Nagant (mine, loves to bang)
Beretta Nano (hers, hates 115 grain but loves 147 grain)
"Baby" 1939 Mosin Nagant (hers)