I'd go for a short-barreled '92 Winchester type (like a Rossi), in .357. I think the '92 action is smoother than the '94 action, which was designed for rifle-length cartridges. I've never fired a Marlin.
I have a '94 Winchester Trapper in .357. It's sweet. I've considered a red-dot or other optic, but the iron sights are quick and accurate. I might add a tac-light.
It was with good reason that the Winchester was the most popular rifle in the US for the better part of a century.
For home defense, civilian or even law enforcement applications, a lever carbine would be adequate for nearly any situation.
Advantages: Nine or ten rounds, in .357, .44 or .45, out of a long barrel. Light, handy, quick sights. Cheap, readily available (and replaceable). Will be legal for as long as firearms are legal. Less legal restrictions. Requires little maintenance or technical knowledge.
Disadvantages: Slow to reload. Difficult stoppages may occur from short-stroking or operating action inverted, etc. Difficult to use from prone or unusual firing positions.