Noted and that makes sense about the carry range. ...Unless I skip a bullet off a skull or shoulder, maybe (but then the magnitude of the velocity should be considerably lessened.)
Realistically, then, if I choose my position well, the odds a shot would leave the property are low, so, the noise and “comfort of use” by my wife and daughter might be bigger factors.
A 20 ga. would not be as loud as my 12 ga., anyway!
Thanks to most of you for many good posts, ideas, and info.!