As much as I love my Guide Gun in .45-70, ammo is expensive for it. However it will bring down any creature on the planet with the right load. If you're gonna be hunting bears, moose, or elephants, that's the lever gun I'd get. For an all around defense/hunting rifle like what's mentioned in the OP, The .44 Mag or .357 are good choices. You can take down man, deer, elk, or most any North American game with the .44, and the .357 will easily handle deer or humans, and you can get hot loads that would take care of a bear.. My choice out of the two would be the .357, due to a bit more easily available ammo. Also with the .357, you can use cheaper .38 Special rounds for plinking. One could argue that you could use .44 Specials in the .44 mag, but from what I've seen of .44 Special prices, that wouldn't make any difference. I'd get the .357. I'm personally trying to decide whether I want a Model 92 style, or one of the Marlin 1894's. Leaning toward the Marlin for a supposedly stronger action, but the '92 looks better.