Can you explain why it's 3 guns, not 2 or 4? I'd toss the shotgun, since it's unnecessary anyway, and you can't carry more than one longarm. You don't say that money is the limiting factor, so what is? If money was the limiting factor, I'd say borrow more, sell some stuff, etc, and get more money, if you lacked enough to buy quality. I'd pick 2, and call it good enough, if it were not for having fun with guns. The 2 are an M4 in 223 and a Keltec PF9 for the pocket. If you need more than a pocket gun, a bigger pistol is unlikely to be the answer, you know. You'll need a rifle, body armor, grenades, and friends. Anything that I can't do with my 2 doesn't really need to be done, it's just a sport or fun issue. The 223 will brain elk, moose or big bears, no problem at all. If I was to buy a 3rd gun, it would be a "practice only" Keltec, so that the ccw gun need not be subjected to fouling and wear.