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I was recently making a very similar decision and I ended up buying a Mossberg 500 Home/Field Combo. It comes with an 18.5" home defense barrel and a 28" vent ribbed field barrel, which means its almost like having 2 shotguns in one. Barrels can be changed in under a minute easy.
I considered the Pardner and Stevens 320, but parts availability for the Mossberg won me over. The Stevens 320 got a long look because you can get a similar combo to the Mossberg for just $250ish whereas I paid around $375 for mine. But, the Stevens 320 has had issues with the welds breaking at the fore end and making it unable to cycle. I've heard they have fixed the issue but still made me nervous and the question of parts availability clinched my choice of the Mossberg.
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