Haz,
Spend it now...or spend it testing ammo to find out what works (the chokes are cheaper than ammo these days!).
Of course you can do what I do (look up "cheap bastard" in the dictionary, my photo is there!), get the non-choke gun, find a load that is available locally (or in stock in your safe) and learn it WELL at every range you might shoot it. You might find that after XXX many yards the shot drops off, or that up close the shot column is too tight/loose etc....learn the gun. (and its FUN to shoot!).
Andy
Ya just had to say that din't ya? They run about $100 more and I just about had myself talked into one without. 