The youth 20 gauge is a great idea. If you're looking at extending the recoil pad to make it recoil less, try Mossberg. There's a pic over in the hunting section of the 20 gauge youth mossy and it is SHORT. Try that with a nice limbsaver. Of course, 95 pounds doesn't mean anything. Proper fit is far more important. When I was 95 pounds, I was shooting shotguns, muzzleloaders, and a .30-06. If it fits, it won't hurt nearly as bad. Keep in mind, that was 20 years and 100 pounds ago, but I don't remember getting my butt kicked by recoil.