What state are you in? Sounds like it may possibly be Michigan? What size, 24" or 26"? Our season starts on Dec 3rd for my area of the state. If Remington doesn't have the standard rod, and your not sure about buying a Hubbard rod, I know a place that had about 4 of the 26" factory rods in stock back in September.
Jay's Sporting Goods in Clare, Michigan had them, but I can't remember the price. IIRC they were around 15-20 dollars. I am sure they would pack and ship you one if you were to call them. Clare store is where I seen them, not sure if the Gayolord store has any if that is closer, but call first.
http://www.jayssportinggoods.com/The Hubbard rod is much nicer, if I didn't have custom jags for my H&R/NEF's I would buy the Hubbard for sure. I only use my factory rods with custom jags for reloading in the field, I use a range rod for all other loading and cleaning. Also make sure you start bullets with it collapsed then extend only after pushing the bullet as far as it will go collapsed first. I have never had a problem with any of mine bending.