Which AR should I get based on the following

I am looking at getting an AR in the near-ish future. Previously I had looked at some of the more expensive ones out there, but I have changed my mind somewhat on what is important to me. Now, I am coming from the perspective of someone who owns multiple handguns and a single shotgun, so I have very little experience with rifles in general, and not sure exactly what is a need vs. a luxury for my specific purposes.

Specifically, I want an AR for a combination of HD and non-competition target shooting (for fun and practice). My specific requirements that I want are:

1. It has to be all black. Not because it’s the “Black Rifle” but because all my guns are black. It’s my favorite color.

2. Reliable enough to trust my life with.

3. 5.56mm NATO. I know the merits of other calibers, and I’ve debated it in the past. I specifically want to start with 5.56 for ammo availability over 6.8 and recoil compared with 7.62.

4. 100 MOA accuracy or better. Seriously – if I can hit a dinner plate at 10 yards, it’ll do. I know I can expect significantly better than this, though. I’m just not looking for a target rifle. I don’t expect to need it even at 5 yards.

5. Full bottom rail, full top rail (preferably uninterrupted), and at least half side rails (preferably full).

6. Ambidextrous controls (safety, magazine release) are preferred, but not required.

7. Forward assist and dust cover are both NOT required. But I’m not opposed, either.

8. Telescoping stock.

Beyond that, I’m not sure what twist rate I should get, or what parts I should consider chrome lining to be required vs. superfluous, so any advice would be helpful.

Can anyone give me any advice on which AR would fit my needs for the least amount of money?

I could probably do that. I saw a rail on amazon for $40 that would probably do nicely. Any other suggestions, while we're here?

In an HD situation, I want to hit someone's chest at 10 yards or less (in my place, probably 10 feet or less). So for practicality, yes, 100 MOA is the minimum. The point was, I don't care if it's 2 MOA or 1.5 MOA or some uber-sniper-competition 0.4 MOA gun. I want something that will shoot reliably.

It was kind of a joke, too. But in all seriousness, to meet my social demands, I don't NEED the accuracy.

EDIT: Ghost Tracker, my needs are above. The budget is what I need to spend to get those needs met. I'm not saying "how fast can I go for $X." I'm saying, "for 86 MPH, what's the cheapest engine I can get?"

Eh, I'm fine with buying a gun and changing a couple of parts, but I'm not looking to completely build one. Too much work.

EDIT: CoRoMo, POF has everything full ambi standard. But while I like the looks of their gun, I can't get over the $2200 MSRP on my salary.

Why the rails? Flashlight for target ID, red dot for easier sighting, AFG for comfort. And I want them.

I have a shotgun. I also want a rifle. It's not really overkill when you look at what an HD 5.56mm round does, anymore than a shotgun is overkill. I'm not getting a .30-06, I'm getting a 5.56 carbine. Each platform has its advantages, and I don't want to be limitted to only one platform.

My needs are HD and plinking. Plinking I may go farther, but primary need is HD. The longest distance in my place is maybe 30-40 feet, but from a defensible position probably 10 feet.

CoRoMo, what I'm saying is I don't want to get pieces from all over and put it together. I want to buy a complete rifle and change things out as I need.

http://ammo.ar15.com/project/Self_Defense_Ammo_FAQ/index.htm#OVERPENETRATION

No, proven, I don't think there's a difference. In fact, if there is a difference, the 5.56 is better at resisting overpenetration.

Red dot is for the purpose that I don't have to be exactly lined up - faster target aquisition. After all, that's why our troops use it for urban combat, right?

Yeah I'm pretty much sold on the M&P15 at this point.

Other people have different needs. It's why there are so many AR brands. If the choice was easy, only one brand would be in business. I'd rather post my needs and ask the people who know more about ARs than I do which would fit the bill than search through every brand I could find to see if they have something that meets what I want. And then I might miss a brand that someone else could have pointed out.