Home defense only.......try the 12 GA 870
The 12 Guage makes one hell of a noise that cannot be mistaken for anything else but trouble......probably right up there with the noise of a rattlesnake.
If you need a handgun.....how about a light caliber revolver with a short barrel. They are ready to go out of the box and all you have to do is pull the trigger and they are ready to rock with no extra messing around.
I've resisted revolvers. No good reason. Just have. A good friend my mine conceal-carries a Taurus snubby revolver in .38 special for the reasons you outlined. He may persuade me yet.