N3rday, I'm gonna try to be blunt without being rude, and cut to the heart of the matter(apologies to all the .223/Saiga fans in advance).
The way I see it, the Saiga .223 is not what
you REALLY want. There's nothing bad or wrong about it
per se, it's an inexpensive, perfectly functional rifle, but it sounds to me like the rifle you REALLY want to get is not a Saiga.
You want an AK, but you're worried that your mom will get the vapors if you keep a pistol-gripped AK at home. Do you honestly think she'll be any less upset if the Saiga doesn't have the pistol grip? C'mon, it looks like what it is...an AK-47 without a pistol grip. If you want an effective rifle that looks innocuous, try something like a .357Mag lever-action, or an M1 Carbine.
Plus, if you want to put a pistol grip on the Saiga later on, it will require major surgery - compare the Saiga picture to a picture of a pistol-gripped AK, you'll see that the Saiga has had its trigger and trigger guard moved back as part of the re-design into a "sporting rifle." You'd have to send it to one of the custom AK-builders like
www.ak103.com, who will probably charge you $200+.
Converting the Saiga to take regular mags requires some fairly involved grinding/filing on the gun, unless you did really well in shop class I'd pay to have it done professionally. The Saiga's 10-rd mags will work just fine for plinking or home defense, but what you
WANT is an evil-looking gun that uses full-capacity mags, and no matter how well the Saiga shoots, I don't think you're gonna be 100% satisfied with the gun unless and until you can snap that 30-rd banana clip into it
The way I see it, the only practical advantage the Saiga has over even a SAR-2 or SAR-3(.223) is its low price. If you just gotta have
something NOW and your budget is really limited, go ahead and buy it...but it won't look just the way you want, it won't feel and handle just the way it should, and even though you saved $$ on the gun's up-front cost, you're still spending more $$ to make the gun work with the magazines you want it to use. You're compromising on what you really want, for what I think are the wrong reasons.
Either get yourself a Romanian AK that you'll be pretty much happy with from the start...or compromise on a gun that will take more time and money to become what you want it to be.