Personally, I wouldn't buy a Stoeger Shotgun. A friend of mine bought one and it stopped working after a couple hundred rounds (wouldn't fire the second barrel). Either Remington or Winchester would be a better choice, and Beretta and Browning would be better yet. When it comes to Over/Unders, you pretty much get what you pay for. If you are looking for something low cost and reliable, go with a Browning BPS, Remington 870 or Remington 1100. I have never come across a "new" low cost reliable over/under. However, you should be able to pick up a used Browning Citori with interchangable chokes for under $1000.