Trying to narrow down which rifle to get is tough!! Looking for something that's versatile but packs a punch if SHTF.

I had my heart set on the Saiga 7.62x39 because it's reliable, affordable, and AK mags can be modified to fit, but governor terminator here in cali passed AB962, preventing any online ammo sale; there goes my chance in the future to order cheap 7.62 and finding it locally isn't going to be fun. Saiga in .308 would be nice but it's sold out and cost more. M1A is too expensive for me right now, and I hear a lot of mixed reviews about the Mini-14. What to do??