Gosh...I answered this on one thread, but for the life of me I can't remember which one! Well, it's probably worth answering again...
When you're choosing a home defense weapon, your choice must be dictated by the "lowest common denominator," that is, within reason, the weapon/s that are the most familiar to the least-trained member of the household. I know the manual of arms and stoppage drills for ARs and 1911s in my sleep, but my Sweetie doesn't. She is, however, an enthusiastic cowboy action shooter. She understands lever guns and double-barreled shotguns. So those guns are a part of our home defense armory. If she shot a '97, I'd have a '97 pump gun handy.
My point is I don't feel particularly undergunned with a .44 Magnum lever gun (now a Marlin 1894) and a double-barreled 12-gauge. I can run a lever gun with a bag of ammunition forever, with very little break in the cadence of fire. I can also run a double-barreled shotgun pretty quickly. My bedside pistol is a Sig 226 9mm with 20-round mags, a laser, night sights and and a mounted white light (SureFire). Her bedside gun is a DA revolver with a laser. Even if she defaults to her cowboy training and cocks the revolver, it still goes bang.
I sorta think we spend far too much time sweating a particular piece of hardware or load and not enough time figuring out lines of fire in our houses. If I thought I would be facing MS-13 tomorrow, believe me, I'd have a different battery (and some...interesting...friends staying over!). But I'm not. My whole world view on personal defense is based on realistic threat assessment and appropriate response, and within that context a lever gun, especially a .44 Magnum with at least 240-grain JHPs, is a proven product. If my Sweetie goes to a carbine class, then I'll consider an AR as a bedroom home defense gun.
And Jed, don't worry about the gun-handling. The gun was visibly empty and the action was visibly open. You're a new USPSA shooter and I will agree with you that the USPSA safety rules are the best in the world...after all, I helped develop and debug them. However, they are NOT universally accepted even in the mainstream shooting sports. Professional shotgunning, for instance — one of the sports the "cowboy guy" comes out of — draws a really clear line between an "unknown" gun and a gun with action open, proving that it is visibly empty. At shotgun matches you can buy a little plastic nub that laces into your sneakers to allow you to rest the barrel of the shotgun on your toe. I wouldn't do it, but I've filmed the Grand, where everyone does it. Generally, I let professionals do what they will as long as it's not demonstrably unsafe gun-handling. For instance, in addition to the shotgunners, military snipers do not and will not wear eye protection (and often not hearing protection). They're grown ups, and they do a scary job for a living.
Had the gun's action been closed, it wold have been a different matter.
Hope this clarifies the gun-handling issue.
Michael B