Browning and Beretta have set the standard - on relatively affordable - Over Unders for a long time. Today - that threshhold is around $ 1,500 or so...
When you are looking at less expensive O/U's --- you need to understand they are going to cut corners on something. But there are a lot of options out there in the $ 500 - $1,000 price range - even Cabelas is selling one with a 5 yr warranty ...so any number of them might be worth a chance.
The only problem I see on some of these guns - is the barrels are not regulated properly - where one barrel hits high right / and one hits low left ...and there is no way to really fix that. I don't think the Mossberg, Stoeger, etc are bad guns ....they probably aren't 20,000 shell guns ...and the resale value won't be there ...but they are what they are.
I would be careful of guns made in Turkey or China or the Soviet Union - but I think Stoeger and Mossberg and others are making some serviceable guns.
As always with shotguns - you need a gun that "fits" ...so it hits where you look - but that's more about stock dimensions than anything else - length of pull, drop at comb, drop at heel - and that can all be modified.
Only as a comparison - a Browning Lightning - that was purchased new in 1988 for $ 700 - with many thousands of shells thru it - is selling, used now for between $ 1,000 - $ 1,250 with a few scratches on it. So that gun in 1988 was a pretty good buy.... Will the Stoeger, Mossberg, etc do that ...maybe, I don't know...
As long as both barrels hit with the same point of impact - and you won't know until you shoot it ...firing pins, springs, etc can all be changed - you should be fine. But look at the other options too - Tristar, Mossberg, etc as well ...and compare them to the entry level Brownings like the Lightning ...
Its not a simple - yes, buy it ...or no don't ... you have to educate yourself on the differences - and its not just fancy wood.