Rural living requires a little bit more sensability in choosing firearms. In an urban setting you are worried about firepower and about over penetration. So Handguns and shotguns make great companions.
In a rural setting you are called to do a little more thinking. You could run into a wild dog, rabid animal, a gang of thugs and the police are not as close as they would be in an urban setting. I think that the choice of firearms should reflect that. I would want to keep an SKS or 30-30 close at hand as well as a shotgun.
For the record, there is absolutely nothing wrong with a 20 gauge with buck shot. That would stop the intruder, but it isn't any good for shots over 50 yards and would have questionable performance out past 30. Whereas an SKS could easily and accurately strike targets with authority out to 100 yards without any scopes or other fancy devices. At 200, it requires a little more markmanship and the gun + round combination can take out targets past 300.
Anyway, if I lived on a farm or ranch, I would have a loaded shot gun and carbine and handgun close to me. The rest would be locked in the safe. In my urban setting I just have one handgun close and everything else locked in the safe.