Mossberg Ready to Rock
We chose a Mossberg 20ga, because all the 12ga guns we tried were a little large for my wife. It's loaded with #3 buckshot, cocked and safety on. I never really subscribed to the idea of keeping it uncocked so I can rack it and scare the bad guy. I think it will be even scarier for the bad guy to be staring down the business end without warning. I figure I can always throw in a "boo", if I want to surprise him. Our mantra is "Safety...shoot, pump, shoot, pump, repeat".
Besides the Mossberg, we both have small, bright LED flashlights and a Ruger LCR in the nightstand. Semiautos are a few steps away. The dogs are the early warning system and have good, deep growls.