Keep in mind, there are two general philosophies when it comes to defensive firearms, the "does it work?" philosophy, and the "min-max."
In terms of "does it work?", the answer is "if it's reliable and you can hit a target at the expected range", then it works. The problem with this philosophy is that pretty much 95% of the products on the market fall into this category, and according to this my LCP or a single-shot .410 would "work".
Then comes the question of min/max. Where things like handling, recoil, capacity, relative power, etc. etc. come into play. Min/maxing then depends on the factors that you feel are important.
What the lever action doesn't do is be as safe handling it around the home. It's particularly noted hunting if you need to unload it traversing a field obstacle or casing it at the end of the day - you have to jack every round thru the chamber to clear it, nicking up every cartridge and closing the bolt on a chambered round repeatedly. That can and will increase the danger of a negligent discharge.
Lever actions have safeties, just like modern AR-15s. This means they are as safe to handle, and there is much less risk of a slamfire than you make there out to be.
What possible scenario would you need a rifle for defending your home? Not for the distance shots as much as for the power above and beyond the level of a pistol. Rifle cartridges can penetrate more obstacles. If what a pistol round fails to defeat is cover, then a rifle turns it into useless concealment. If intruders are attempting to beat down your solid core door in your last ditch room, it's going to be a lot easier to shoot thru it with a rifle round than waste your time waiting for them to succeed to use a pistol round or even worse, shotgun pellets.
Shooting someone through the door is some of the worst advice I've seen. You need to identify your target before taking your shot. Through the door you have less chance to ID your target and less chance to actually hit what you're aiming at.
While rifle rounds can be made to be barrier penetrating, you don't want to use barrier busting ammo in your home. While I agree that the issues of overpenetration are largely overblown, one of the advantages of rifles over shotguns and pistols is that rifles with proper SD rounds overpenetrate LESS through walls on a miss. A pistol round will just clog up and keep chugging through, while shotguns just plow through walls, gradually slowing down. Rifle rounds are designed to dump their energy. This leads to a greater loss of velocity when going through barriers, and also leads to bigger wound channels.
Granted, a .357 magnum isn't going to quite reach the velocities that you can get out of a rifle round, and yes a .30-30 would be better. However, that .357 magnum out of a rifle would make a wider, longer wound track than out of a revolver.
Even the Vice President gets that. "Shoot thru the door!"
Can I see the source on this quote? I don't recall Biden saying use a rifle and shoot through the door. I recall him saying use a double-barrel shotgun and shoot warning shots into the air.
---
To answer the questions of accuracy, I have a lot less range time than I do posts. That's because posts are free and ammo isn't. I guess you could call me an armchair commando. When I'm using my shotgun, I typically have less spread at 15 feet than I do when using my pistols, and my follow-up shots are just as fast. Yes, that's with 00 buck in the shotgun.
There is definitely something to be said for the stability a stock provides, even at 15 feet or less. I would definitely choose a long gun over a handgun, and unless you practice 1000-to-1 or something like that with your handguns-to-longuns, I would recommend the same.