How many different loads do you need for a shotgun you already know you're going to be using mainly for HD? Buckshot or slugs or er.. buckshot. You're going to end up with buckshot or a slug and those aren't hard to find in 20ga.
I'd choose a gas operated 20ga semi. What would you gain by using a 12ga at normal HD distances (21 feet and under)? If you shoot someone with a 20ga at that distance - they're dead. They can't be made MORE dead by blasting them with a 12ga.
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