Cookieman -
The NEF's ar OK and as a new reloader will probably offer more margin for error than a Marlin. But they cannot touch the Marlins when it comes to look and feel, IMHO.
Good Marlins need not be that expensive. I currently have 3, a .30-30, .375Win and a 22" .45-70. I bought them all used and the most expensive was the .375 which is something of a collector item. Paid $225 for th e.30-30 and $249.95 for the .45-70. All three are excellent shooters.
I did make some modifications. The .30-30 and .45-70 got homespun trigger jobs, the .375 got a Wild West Guns trigger and a new stock (a tear-off from a new rifle that WWG replaced with a Kevlar stock). All three got Williams FireSight front beads ($17) and a Marlin "cut-out" sight hood ($5), perhaps the best investment I made for any of them. All three also got Warne Quick Disconnect rings and bases. The .45-70 got a Leupold 2-7x33 scope which I highly recommend, the .375 got a used Leupold M8 4x I picked up for $100. I'll probably take a scope just like that one off my .257 Roberts (also picked up used for $100) and put it on the .30-30.
If you reload with caution and follow the instructions provided by various powder manufacturers, you'll be just fine. You can load up to the 40,000 CUP laods listed for Marlins without too much worry, although an inexpensive chronograph is very, very useful - velocity is a direct result of pressure ad if you exceed the published velocity you need to worry about the pressure. Period. Play within the guidelines and you'll be safe. If, on the other hand, you insist on using Ruger #1 loads in a Marlin you'll probably be visiting your local hospital. Just remember that CAUTION is a very good thing.