If I had to start over quickly, in the absence of custom firearms, I wouldn't. It's taken many years to accumulate what I have, so while I might know exactly what I want, very little of it could be found on a shelf.
Defense - SigSauer P365 9mm & Silencer Co Maxim 9mm
Big game - Ruger Super Redhawk Toklat 454 Casull & Ruger M77 Hawkeye All-Weather 300win mag
Small game - Ruger Mark IV Competition & Marlin Model 60SS
Varmints - Build another custom AR-15, most likely in 243 LBC with a spare 5.56 upper
Competition - Can't buy a viable competition set up from a shelf. I'd buy an MPA production class rifle until I could build another Defiance or Impact
blackpowder - Not a thing for me any more.
My insurance rider for my firearms isn't written in a way such I'd have to replace the gold I have with tin. Protect your firearms properly and you won't be stuck compromising with sub-par stuff if anything ever happened.