RE: one-shotgun solution?
One big thing to remember is if you choose a 3-1/2" most of them are overbored and you can' t shoot slugs through them. A synthetic stock would generally be cheaper, and more waterproof. You don' t really need camo print unless you like the look of it.
I have a remington 870 express magnum and it says on the barrel to not use steel shot in it. That means no waterfowl and no hevi-shot. So make sure you get something with with a barrel that can handle it.
I would get a synthetic stocked mossberg 500. Either get the turkey model with the shorter barrel and camo stock and then buy the mod,full, and imp choke tubes for it. Or get the standard field model and buy a good turkey choke for it.