"...12 gauge for 20 gauge..." Fewer pellets regardless of the size. However, a 20 will do the same thing a 12 will do with less recoil.
Buck shot is not required with either gauge. No. 2 bird shot is plenty and there will be no issue with over penetration.
"...cocked and locked..." That won't bother the gun, but you will have a loaded firearm, presumably, unsecured from curious kids. If there are any. Local ordinances will apply too.
"...Home defense is not combat..." Exactly. Neither is CCW.
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