I am an old man that has been shooting and hunting for well over 50 years. I have never felt that I needed 3" or longer ammo. In fact, I started my shooting hobby with a 20 gauge after a short courtship with the 410. The another very short courtship with the 16 gauge. Since all my friends had graduated to a 12 gauge, I bought a safe full of 12 gauges over the next several decades.
In the mid-1990s, American Arms had Franchi make them up a special order of Model 48s with special trim and deluxe coating. They called it the Black Magic. I bought one in 20 gauge. That gun has been my favorite go to gun ever since. It fits me good, thus little felt recoil. I honestly can't tell the difference between it and the 2 3/4" 12 gauge in effectiveness in the field. It is very light, less than 6 lbs. Since then I have been a 20 gauge fan.
If it comes down to the opint where the "guvment" will only allow ownership of one gun, I will take the Black Magic or one of the other 20 gauge 48s. The Black Magic fits me like a glove. Unfortunately, American Arms priced it much too high and they didn't sell very well. They haven't been available new in over 12 years. It is the same gun as the 48 with deluxe finish and, to me, a much better fit.