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Can't go wrong with either choice. Had an 870 which I sold to someone who had to have a 3 1/2 magnum. Got a steal on my 1300 defender which I have left box stock. Both work great. For a pure defensive role, the Defender is ready to go. If you are cool with 4 + 1 in the 870, its ready to go as well. Adding a mag extension to the 870 is a little bit of a chore and there is also the issue of the key safety--but that is replaceable as well.
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