Lever guns are hard to load/keep loaded,
I have one and the only reason it is hard to keep loaded is because I want so badly to go shoot it!
I went through exactly what the OP is going through. I keep my Rossi M92 16" next to the bed, loaded, along with my Ruger Security Six.
I also have a Remington 870 with 18" bbl, but the Rossi is shorter, lighter, higher capacity, quicker (
for me) to operate, shoulders more quickly, has less recoil, and still more than powerful enough to get the job done.
People compare the power of a .357mag out of a carbine, to a .30-30. That's true, but there's another thing to take into account. The .30-30 only really comes in hunting rounds, and it's a .30cal bullet that will likely over penetrate and not expand THAT much.
On the other hand, a .357mag 158gr. hollowpoint like the Speer Gold Dot that I have loaded in mine will expand like crazy at the high velocities it reaches in a 16" bbl. And it's a .35cal bullet instead of a .30cal. It's really more aptly suited for "two legged game," not to put too fine a point on it.
The 870 is now relegated to second string home defense in my house. If trouble finds me, that slick little carbine is first at bat.