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Top of my list for "easy" solutions that don't cost of $140 right now is this one:
http://www.cheaperthandirt.com/product/2-PLGL650KD" onclick="window.open(this.href);return false;
The Pro-Lock Instant access lock. It can be used for instant access with a special button sequence, locked with a key (disabling the buttons), and also breech cable locked as well.
Any reasons not to get the Pro-lok?

Really what I would love would be a mechanical combination breech lock. Like a combination of
http://www.shotlock.com/Details.asp" onclick="window.open(this.href);return false;
and
http://www.gunvault.com/gun-locks/breechvault-1.html" onclick="window.open(this.href);return false;

Is there anything out there like that? The reason I would prefer the "click" type combination is that its quicker than trying to do a combination with the typical tumbler type combo locks. The Shotlock is too expensive for me and also the wife as struck down "mounting" it to the wall next to the bed. It must be out of sight and un-usable by children. Those are her two requirements. My requirements are for it to be able to be accessed quickly and easily in the middle of the night without leaving the bedside. Theft is not a concern at this time.

I am going to order some of the federal ammo today. Thanks.
My other question I forgot I had involved trigger locks.
I dont want to buy a safe and I don't want to keep it across the room in the closet. I wanted to keep it by the bed, under it or slightly behind the headboard. My wife takes issue with this as we have a 5 month old who will, before we even know it, be crawling around and walking around and such (and I agree, we DO need it locked). I would like some kind of combination lock for the gun. So I can keep it loaded and ready but unfireable for a toddler.
Any suggestions?

On a whim on the way home from the lake I decided to stop at a Pawn Shop see what shotguns they had. I've been wanting one for a long time and looking to get a feel for prices. I ended up walking out with this Mossberg Maverick 88 for $147. They had wanted just over $200 until I told them you can guy it brand new from Academy for $189.

Anyways. I DO have questions which I'm sure have been answered before but the answers are old and I'm having trouble following links (a lot of dead ammo links).

First question: Ammo?
What are people feeding their home defense shotguns these days? I am interested in low recoil so that my wife will feel comfortable using it and practicing with it every few months. Then also what else should I have "on hand?" I am hoping to get a 26-28in barrel for Christmas maybe so I can use it for clay every once and a while.

Ok, actually thats really my only question right now. Looking on sites like cheaper than dirt or Ammo to go there are just so so so many options for ammo that I have no idea what what to choose.

Also, I live in a house and the houses here are close but not really really close together so I'm not worried about over penetration in that case. Coming out of the bedroom the front door is left and back door is right, with the kids bedroom straight ahead, so I'm not worried about missing the door and hitting a bedroom.

EDIT: also this is my first shotgun ever. My only other guns are the .38special snub that used to be the home defense tool (soon to be replaced by this 12ga) and the .32 I carry.