I shoot an 870, got it dialed in for 100 yards. The only reason i dont push it out is i really have no reason to with the area i hunt. The 3-4 fields in my spots are only about 45 yards wide and 100 yards long so im covered corner to corner.
You sound like your really wanting an upgrade though but looking to talk yourself out of it. I would just go with the upgrade. Is their a reason though you cant get the barrel for the 870 as well. Are you trying to trade it in at the local shop to help get the other gun in your price range?