To some degree, I'm im in the same boat as you are with the wife. She is reluctant but 'sorta ok' spending large sums of $$ in the current political currents.
I fully realize your post mentioned an AR-type platform. I did see several others that offered different suggestions.
In January, I decided I wanted a .308 battle rifle, and I began my search. I wanted to be able to hunt with it, but that was not my primary use. And, I wanted a full-size battle rifle. I pray we don't have that SHTF situation, but I'm also trying to make myself and my family ready if it does.
I considered an HK91 copy, but didn't like the ergos (again, a personal prefernce there, the design is certainly proven itself)
I also considered an Armalite Ar-10, and put my name on a list for one, (first option I came across in January) but kept looking and researching. It seems like a lot of the mfgrs of AR-type .308s use proprietary mags, and/or they are super pricey. At least the RRA uses FAL mags, and if after learning that, if I chose an AR-type, that would be the one. For a platform they may be sucessful in banning, keep in mind they will have an easier time banning mags first. It makes sense to me to pick up as many mags as you can now, and take very good care of them, since they may have to last a very long time.
I really liked the fail-proof (nearly) reputation the FAL design has, and I REALLY liked the cheap mags. I wanted a colapsible stock, so for me I only considered the DSA FAL Paratrooper model. I'd still like to have one.
The platform I decided on was the M1A. H20MAN's pics did have some influence. I put an M1a Standard into a Sage Intl. stock, and wow. While it's not a lefty design, the only thing that's 'sided' is the charging handle. The safety, and mag release is dead-center on the bottom. But, talk about simple. It's not crude, in fact, it's so simple, it has its own elegance to it. With the SAGE stock, it's really 'evil' looking like you wanted, but what a capable platform and design. I'm so happy I went this way. I can get mags for $22 each, and it's a proven platform. From what I could find out, it seems to be the best of all worlds, accuracy, simplicity, ruggedness, durability. I also have so far picked up 20 Mags.
Best of luck to you in your search. I'm not one of those folks that thinks there is only one right answer. There may be a right one for you, but perhpas not. I love my M1A. I'd love to add both a contemporary DSA FAL and a period-accurate older FN/FAL to tickle my history nerve. But, if you decide to go the AR route, I strongly suggest you look carefully at magazine cost, and allow that to help guide your choice.
PE