You'll probably be fine if you don't plan on using the gun outside of the house. Me personally, I would want the ability to use the gun for protection outside the house at longer distances if I had to. You could sell just the barrel and replace it with something else. My home defense 870 was bought new as a 28" vent rib barrel and I bought from Midway the 18.5" fixed Modified choke, tritium rifle sighted barrel for home defense. New, the gun was ~$270 with a rebate a couple of years ago.
On Gun Nuts he tested buckshot out of a rifled barrel on a full sized deer target. I think he only got 3 hits on the outer edges of the deer target at 15 yards. That limits the effective distance way too much for me.
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