I live on a farm. Police are about 45 minutes away.
Have had a break in while we slept. Two guys came with bolt cutters and opened my gun lockers. They sold the guns for drug money.
Have shot 21 raccoons around the house. They seem to like to rip the siding off the house. Foxes and coyotes abound. Have seen bear scat once.
I keep a shot gun in the downstairs office where I spend most of my time and another in the bedroom. Each has a combination lock. All I need to do is spin it one digit and it is off. Each has a velcro strip on the receiver. Each room has a old hotel safe that pops open with a 4 digit code. In the safe is a loaded velcro strip of shells, BB and 00Buck.
It takes me about a minute to hear or see something and get a loaded shotgun in my hands.
Each gun has a light/laser.
The light is blinding bright and freezes any animal I aim at. The laser marks the POI at about 20 feet. The rail attachment for mag tube cost about $6.00 on ebay. The light laser was about $15 on ebay. I have shot quite a few raccoons at night that were fighting with my dog. A laser is the only way to quickly put a bullet where you want it at night. I have a laser on a 22 rifle, too.
I could speed things up a bit by taking advantage of the "predator gun" provision in the law, but there are kids in the house from time to time. Although the guns are not readily seen, I would rather have a lock on them.
I shot a IDPA practice at the club one night where the room lights were turned off. This made it clear that those of us who had lights and lasers had a huge advantage over those who did not. Also, in one of the stages, a flashlight was turned on and aimed back at the shooter. I was shocked at how upsetting this was, and got me thinking that a flashlight was critically important if I had to confront a 2 legged predator.
OP, the other thing to consider is how your wife can respond if you get in a surprise confrontation. Could she unlock the gun, load it and make a convincing challenge to save you?
If not, maybe she should know where there is a 7 and 9 iron stashed in the house.
I once got attacked in the front yard by a wacko. I did not know I was in a fight until I was on the ground, looking at his boots. Fortunately my wife saw it coming and was able to step out the front door with a rifle. She looking convincing.
If your wife is not real good with gun handling, loading a pump will not be intuitive. My bedroom gun is a double barrel. Much easier to load in a hurry.
There are excellent older shotguns on EE right now, like a Winchester 1200 Ranger for $200. Cut the barrel off at 19" and you have a very handy, reliable and effective gun. No need to buy anything expensive.