I agree on the Benelli M4s90, although to be honest with our laws I'd prefer a 20" Mossberg M590A1 due to the extra ammo capacity.
8+1 in the pump just seems like a better option than 5+1+1 with ghost loading.
You have my vote! Mossberg 590 a1....ammo capacity! built like a tank! and not too expensif... (600$ average)