Mike, Your were doing great until you said you will 'wind up with a Remington'. If you are considering a 11-87, in 20ga, you may want to continue checking. I, like you, was thinking along the same paths. I did purchase a Remington 11-87 in 20ga. I did try the thing out with some field loads I had around. It worked nicely. First trip to range, and skeet, and light loads the gun did not cycle at all. In fact, on the THIRD shell the hull got stuck in the chamber and required a very sharp smack on the bolt lever to free it. The gun now is at the Remington factory cause they told me that all 20's should cycle all loads. The 12's however need a barrel change to work with the lighter loads. It's been 4 weeks now and all they will tell me is that they have the gun. I asked for recommendation thru TFL, and at ranges around here and the most popular gun, right now, seems to be the Beretta 391.
Mike