Starting From Scratch... on a budget
The way it usually works with me, when I start postulating various nightmarish scenarios like "the government went nut and all your guns were lost in a tragic boating accident, but then you fell out of a bear stand and hit your head, so you can't remember which lake it was and have to start over", I always start with the high end options. My high end options tend to be boringly repetitive because it is some sort of a Q gun or two with a Tangent Theta or two. There is a reason to my madness because Q, rather than set out to hyperspecialize on something, went the opposite direction with quite a few of their guns. They are a high end take on a general purpose gun. That applies to The Fix, The Boombox and the Sugar Weasel. Honey Badger is a somewhat more specialized thing as are some of the very short Fix variants. Still, Q has a very distinct design philosophy which appeals to my paranoias.
https://eurooptic.sjv.io/jRaBkP
Unfortunately, nothing in Q's product line qualifies as "on a budget". Most of my favourite gunmakers, now that I think about it, do not qualify as "on a budget". I wonder why... probably just a coincidence.
It is not just Q or TacomHQ.
Same for FoldAR, for example. https://alnk.to/5ukq232
While I prefer to build ARs myself from pieces. HoneyBadger and FoldAR are the only real exceptions to that.
Still, a few of my favourite gunmakers do fit real world budgets, so I have enough there to work with. I will lay all this out first and then tell you what I would do personally, if this actually happened.
The reason I do this thought exercise once a year is to see if my preferences shifted and if any new products that came out recently snuck their way onto my list. It is sort of a yearly sanity check that forces me to think the same basic problem through on a yearly basis.
What sort of an armory are we looking at if starting from scratch?
Well, you need a handgun to carry and to practice with. Tiny handguns are great for carry and miserable to practice with, so we are looking for something relatively compact, but not tiny.
A semi-auto centerfire of some sort, chambered for an easily available/ cartridge (i.e. 5.56x45) is next on the list in case we have another Katrina level event that requires you to go feral for a 2 to 4 weeks. Or it could just be for plinking without going broke.
A bolt action rifle to use for hunting. Ideally something relatively light if you are going to be hiking uphill with it.
A rimfire of some sort in case you are attacked by a horde of angry zombie squirrels and need something that takes 22LR ammo. I assume you all have reasonable stockpiles (six digit round counts are not out of the question) of 22LR ammo just for such a purpose.
I want the rimfire suppressed. I also want the centerfires suppressed, but they can share a suppressor.
I am not going to go into match shooting options too much in this scenario though, since that's a topic all its own. It is surprisingly doable on a budget these days though.
Same for shotguns. While I like shotguns and own a few, to me they are very optional, unless you are a collector or a bird hunter. I know there is a whole ethos out there of a shotgun being the perfect home defense weapon. I disagree with that.
Lastly, I am going to ignore restricted states. That's a separate conversation too.
Sidearm:
-A general purpose handgun that can be carried and used to take a class once in a while. Overall, Glock 48 MOS is it https://alnk.to/cHRufCg Yes, P365 has a better trigger, but it is ~$200 more for a similar configuration. I will say though that if you can live with a slightly beefier gun, I am extremely impressed with Ruger RXM https://alnk.to/fSl7Ule It is less expensive and easy to reconfigure in the future. Stock RXM is a Glock 19 sized gun that uses Glock mags and other accessories.
Eventually, you will want to put an optic on that gun. Having spent quite a lot of time cleaning dirt, grime, dry skin, sweat and other nasty things off of the lens of the optic on my carry handgun, I developed a strong preference toward enclosed red dots for carry. They tend to be slightly more expensive, but I think it is worth it. For a budget option, I'd just go with Vortex Defender CCW Enclosed https://eurooptic.sjv.io/jRa35a Gideon Valor Mini is another good optic, but the solar panel in the Vortex gives me a touch more piece of mind. I have seen batteries fail all out of the blue and a dual power source optic is a good idea.
TACTICAL
-With ARs, all my usual preferred options like Q's Sugar Weasel or Fold AR's Watchman are $2k+. Personally, I would buy pieces and build one, but that's me. If we are looking for a ready made option on a budget. That means: free floating M-lok handguard, some sort of a reasonable collapsible stock and a grip made for human hands that you do not have to replace immediately (i.e. not GI), 16" barrel, so that you do not have to deal with NFA nonsense, an some sort of a replaceable muzzle device.
The good part is there is a ton of these. The bad part is that there is a ton of these and it is hard to figure out if there are any real differences between them. Most of them work quite nicely despite being on a budget and you can almost always find multiple turnkey options in the $500 range. This time I am going to go with ZRO Delta since I know the company and since their $500-ish AR is cerakoted into FDE, has improved furniture and an ambidextrous safety. I prefer full length pic rails, but in this case that's not a requirement https://alnk.to/cwWJhri
With optics, it sorta comes down to what is most important to you. Since this is a general purpose setup (in my mind) a budget LPVO with a bright fiber dot is the way to go https://alnk.to/9mt5CSs
The market is not awash with decent budget scope mounts. PA's SLx is serviceable enough for this https://alnk.to/614GZpB
If your intentions lean more toward the CQB side of thing, PA's microprism with nuclear bright T-dot reticle is the way https://alnk.to/4qPSag0
An AR intended for defensive purposes should have a light on it. I have been looking at that rather carefully lately. All the nice stuff (Modlite, Surefire, Arisaka, etc is kinda expensive. Something like Streamlight Pro-TAC and Inforce WMLx will work well enough, so I would lean toward Inforce WMLx because I like its ergonomics without having to deal with cables and remotes https://alnk.to/7X91OJd It is not quite as nice as the Arisaka light I have in terms of beam profile, but I am not complaining either.
HUNTING
-For a hunting rifle, to the surprise of exactly noone, I am going to go slightly less budget and suggest a Tikka again. These are the most consistently accurate mass produced rifles I have seen to date. They also have very good lightweight versions and a T3x Superlite with a 20" barrel is just the ticket here: https://eurooptic.sjv.io/VOdeDM I like the texture of the Roughtech stocks and the looks of a fluted barrel. If you are looking to save some money, you can get T3X Lite for about $400 less https://eurooptic.sjv.io/xJo3DR
Yes, there is a myriad of options in the $400 range from Mossberg, Savage, etc. They all sorta work, although they tend to be a little rough around the edges. I would pay a touch more and get a Tikka.
Either 6.5CM or 308Win would work fine. I lean toward 6.5CM personally with +Peak ammo looming.
With optics, it is arguably even harder to choose given the absolutely psychotic number of options. However, since for this hunting rifle it would be nice to keep things relatively light, things get narrowed down a bit. Most sane people would get a conventional SFP scope and be done. On the budget end of things, I think Burris Fullfield 3-12x56 with illuminated #4 reticle is it https://alnk.to/6bZrZ01 If you care about weight and can live with a compact scope, I would pick up Trijicon Accupoint 3-9x40 and be done https://alnk.to/g3fSUAi
However, since I live out West and distances here can get non-trivial (and since I picked a rifle that can tackle those non-trivial distances), I would like a lightweight FFP scope with a zerostop turret in the 3-15x or thereabouts range.
If you speak MOA, get Burris Veracity PH 2.5-12x42 https://alnk.to/e7by7GA
If you speak mrad, I think Athlon Helos BTR Gen2 might be the best budget option out there https://eurooptic.sjv.io/vDm3rO
If you are willing to open up your pocket a bit more, Vortex Razor HD-LHT 4.5-22x50 is still the lightweight king of the crossover world https://eurooptic.sjv.io/X4YM94
RIMFIRE
Finally, let's talk rimfire. For general plinking, practice and zombie squirrel combat, noone has yet come up with anything better than a Ruger Takedown 10/22 in X22 stock that can live in the back of your truck in a nicely clandestine pack of some sort in order to always be available.
https://alnk.to/5ukq47S
I have just such a beast, albeit with an upgraded barrel, but stock barrel is fine too. There are other options out there that are less expensive with the Ruger. I've shot them here and there, but I think here is an advantage in staying with the 10/22 ecosystem.
Optics for an ultralite, yet decently accurate 22LR happen to be a slightly overlooked segment of the optics market and I approach it differently from most. My 10/22 has Element 5x30 prismatic on it set up in conventional rings. https://eurooptic.sjv.io/7XKrrr
It is very good optically, compact (which shifts the weight back for easy shooting offhand) and has sidefocus, so that I can plink at very small things not too far away. Naturally, I am partial to the reticle. Now, it is not cheap, but the problem with cheap rimfire scopes is that most are not very good and lack side focus. Even a basic 10/22 will let you practice out to a couple of hundred yards if you are so inclined.
If you do prefer a conventional variable power optic for this, SWFA 2.5-10x32 Ultralight is surprisingly good https://swfa.com/products/swfa-2-5-10x32-ss-ultralight-rimfire-plex-reticle-1-tube-25-moa-clicks-50-yard-parallax
At this stage, we are about $4500 in with a pretty decent arsenal that can do a lot of different things.
That does not include suppressors and those are really up to you. I do not have the means to try them all, so I can only recommend what I have tried. I tend to use Q suppressors, to a significant degree because I like their tone and mounting method. If you stick with 6.5mm or smaller calibers, you can take one Jumbo Shrimp suppressor and move it around. However, if you plan to have one suppressor to move around and you are not yet sure what you caliber options would be, one 30cal suppressor in a quick mount of some sort is the way to go. Q makes the Trash Panda for that which is a very nice titanium can. More recently, they made a similarly sized Blind Target which is steel and costs a couple of hundred dollars less. I'd be inclined to just do that https://alnk.to/4XA98Fg
For a rimfire suppressor, there is a ton of options out there that are all similar to each other. I am partial to Q El Camino as a general purpose rimfire can https://alnk.to/faG620Z
The way the market is going, if NFA does fall (which seems relatively likely) in the next two years, we will see decent rimfire suppressors For $100 - $150 all over the place.
I think that roughly covers it. At current prices, I can rebuild the fundamentals of my armory for about $6k including the suppressors.
That's a good chunk of money, but it is still about half of what my match rifle costs altogether.
Now, if, heaven forbid, I was facing this same horrible scenario... I would probably learn to scuba dive and go looking for the right lake.
Alternatively, if starting from scratch, I would get:
-Sig P365 XMacro TACOPS build which includes threaded barrel, Sig red dot and a couple of 21rd magazine for ~$1200
-Q Boombox in 8.6Blackout with a 16" barrel. https://eurooptic.sjv.io/5kzQoN That scratches my hunting itch out to 500 yards or so, while also doubling up nicely as a defensive firearm when equipped with subsonics. For an optic, I am sticking with PA's PLxC 1.5-12x36 https://alnk.to/7ftZTDE For a suppressor, Q's SHort Chop This would run about $7500
-To scratch the precision itch, I'd be picking up Tikka T1x rimfire and mounting Telson TM 5-25x56 on it. https://telsonoptics.com/shop/target-master-5-25x56-ir-ffp/?ref=llkqsdus That's about $1500
I have two out of these three firearms on hand and P365 will be here eventually too.
That's a lot more money for fewer firearms, but this would match my personal idiosyncrasies exceedingly well.
That's one of the reasons why details matter. What is the best option for me, might not be the best option for you if our preferences diverge.
When putting together a somewhat general recommendation like I did above, I make selections based on typical use and typical albeit relatively well trained users.
For most of us here who take these matters seriously, a general recommendations list is not the end of the discussion.
It is the start of it.