I live in a pretty rural area, but honestly quickly deploying a long gun out of a vehicle is a pretty low priority for me on a day to day basis.
If the North Korean paratroopers are getting dropped in my valley, then I'll just drive around with the rifle loaded, because likely the sheriffs office will have other things to do.
For a civilian rifle fight, rationally I want to say five rounds has a pretty good chance of being "enough," but my gut says I want more rounds just in case.
My issue with the magazine fed lever guns, like the Savage 99, BLR and Long Ranger is that I'm not sure how well they will hold up to a training regimen of thousands of rounds. They are great hunting rifles but not quite what I'm looking for.
If speed of loading and reloading is a concern, and a semi-auto is off the table, something like a Ruger Scout starts to look attractive to me.