The lever action idea was good. You can reload while on the move and
still keep a round chambered. Unfortunately, you can't top-off with
the fixed-mag semi autos. The lever action would be a good balance
of features while still staying legal in your state.
As far as the shotgun --why not some ghost ring sights and slugs
out to 100 yds? Just takes some practice and you'll easily keep it
on the pie pan.
But it's very likely you're not going to have much engagement with
anything beyond buckshot distance in the urban scenario you're
concerned about. Make sure you have a 3-day pack of food and
water.....and good pairs of boots for you and your wife in case
you guys need to flee. Yes, flee. Weigh your risks of facing
30 gang members who are equally armed when you might be the
only people there to face them. Consider what happens when
you don't see them after the first few shots and then have
some molotovs tossed against your house....
You'll know you've reached "help" when the police are around to
disarm you guys and hand you MREs.
After things
have calmed down, you can return home, collect what remains,
and move away from CA.