id get the 870
you can shoot anything from bird shot,buckshot, or rifled slugs.
1895 you are limited in the overall usefulness of the gun
870 pros-
bird shot= small game
buckshot= medium size game & self defense
slugs= self defense & big game
1895 pros-
heavy caliber
con-
most factory ammo is loaded on the "light" side for the older trapdoors and older guns
just my thoughts