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Stoeger 3500M.
It has been outstanding so far...
What he plans to do with the gun may dictate the fit. Turkey and deer hunters will of course want a flat shooting shotgun that fits as you describe. Most trap and skeet shooters prefer one that patterns high (trap shooters prefer 60-70% of pattern above the bull at 16 yds) so they want to be looking up the rib (seeing white). Some waterfowl hunters also prefer high shooting shotguns. I prefer to shoot the same gun with the same pattern no matter what I'm doing - flat (50% above and 50% below the bull). Like you said, anyone can learn to shoot a crappy fitting gun ... but usually they won't shoot it well with any speed involved. I can make just about any shotgun work on the trap range or behind my goose decoys ... but low gun skeet or upland hunting is a different story! Then a poor fit = a lot of missed birds/targets ... and maybe a sore cheek or bloody nose.SX3 is superior to the SX4 in fit finish and reliability (that's why they were more money new). If you can find a gently used sx3 that's a great gun.
Gently used Benellis(m2 or SBE) are great guns as well. Monetefeltro comes with caveats and has been more targeted towards entry level upland semi auto market; wood stock or no comfortech available in the synthetic, gloss finish, different bolt, lower rib height, not as many chokes, box instead of plastic case, not compatible with mag extensions, but same exact guts and frame as the m2. With benellis just be prepared to change out your recoil spring in the stock every few years (depending on how much you shoot). Very easy and cheap, wolf springs makes one for like 15 bucks. I shoot an M2 and changed out my spring for the second time since I bought in 2011.
Beretta 390s and 391s if my memory serves me are great used guns as well. Similar to the Sx3, many users claim the older berettas are superior to the new 400 series xtreme. 394? I think is also another good one. May want to do some digging into that.
I sold guns for a few years not long ago. Totally anecdotal but in my experience I stay away from most Browning shotguns, especially the golds and maxxus, older stoegers had lots of problems, mid tier newer berettas are kind of lack luster, new a400 series are smooth shooters and really nice looking guns but they tend to show wear really badly. Never held a remington semi auto I liked and they didn't sell worth a poop when I sold guns either, the ones that did always seem to come back or have problems. Small sample size but remington everything just seem to go down hill in the last decade. Camo benellis get faded and turn white in high contact areas so I always recommend black. The benelli vinci seemed to have poor resale value.
The euro made Benelli SBE and M1 super 90s could fit the 4th shell on the carrier when loaded from the top. I hear of some guys being able to do it with newer models but my m2 can't and neither can my brothers. Should be able to find one of the euros for 600-800 bucks depending on your market.
No matter what you pick make sure it fits you. Imagine painting the very top of the rib completely white and then shoulder the gun. If you can see any white, generally it doesn't fit and you'll shoot high. Shim the gun if possible or try a different model. You shouldn't see any white on top of the rib. Just the rear of the receiver and the bead sitting on top of the rib. It's one of the biggest mistakes guys make when they buy their first over an under. Browning O/Us fit almost everyone, Beretta's fit far fewer people. Of course you can always learn to shoot it with improper fit.