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I guess what throws a kink in your question, for me, is that you included home defense in your uses of a general purpose rifle. I will probably get flamed for this but I just don't think a rifle is something one should think of when contemplating "home" defense. Nor do I think that a person should think of home defense when seeking out a general purpose rifle.
So if you take home defense out of the billing I really think it comes down to bolt action or lever action. I would say either a Win 94 "thuddy thuddy" as already mentioned if you want a lever gun or a Savage, Remington or Mossberg ATR depending on your price bracket if you want a bolt gun. Whichever caliber you get, make sure it is a common one and for a general purpose rifle, I would shy away from the pistol calibers.
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