You are correct about the choke. If you want the Ultimate, go with the TDC 12ga. It comes with a Mod. choke tube and you can pick up an ExtraFull for turkey or an Improved if you want to shoot slugs. One gun and lots of hunting options. Just my 2 cents. However, it might be a little longer than you want for a "truck gun", as the barrel is 28in. Also, may be a mite spendy for something your gonna just "Throw in the truck". A Youth Pardner in 20ga comes with a 22in barrel, so its quite compact and at less than $100...New, you won't mind a few dings and scratches. If you just gotta have a 12ga then send it off for the Youth 12ga barrel from the factory. That's a Mod choke barrel and chambered 3". It will take anything you want to put through it.