There is no one gun or combos that do everything and you do get what you pay for. That said, have you checked out any gunshows? Used guns can be a great value as other people have been in the same boat as you, bought guns and grew out of them. Do to finances or wives, sell them to up grade and as most guns, they devalue as soon as you pull the trigger ( my Kimber lost $200 as soon as I pulled the trigger). Decent used shotguns are fairly cheap and there are dozens of decent .22's are valued priced as well. You could get a 12 GA and a .22 for a couple hundred bucks. Also look at ammo prices, since 12GA is the most popular caliber, there are more options and is cheaper than 20 GA and a lot cheaper than 410. A good 12GA is also the best home defense weapon you can have. Most shotguns have several different barrels available so you can just switch barrels for slug hunting, longer ones for bird hunting or fun skeet shooting and you can find those used as well.