With a 3" barrel, its not really about accuracy, as it were. Its about putting a big chunk of metal into someone who's relatively close. Not much accuracy required or implied.
Accuracy and reliability are separate entities. Take the AK-47 for example. Ridiculously reliable. Famously reliable. Accurate? You could do better.
Actually, in my experience, accuracy and reliability tend to work, in the field, as an inverse proportion. The more accurate your gun is, almost by necessity the more precise the parts are and the fits are, which leaves less room for damage, debris, etc. A benchrest rifle will drive tacks, but get some debris in the action and you're likely to have reliability issues. Conversely, With less precise fits, there's more room for error and debris and damage, which results in better reliability, but it also means that the parts don't always locate in exactly the same place, which means a final result of reduced accuracy.
Think of it like race cars. A Ferrari is fast as hell. But toss it in a desert and see if it beats out a baha racer. reverse the situation and see if the baja buggy can lose without being embarassed.
A Formula 1 handles tight and fast on a clean racetrack. It's precise, which makes the difference between a win and a loss on an F1 track. Get sand in something, and its screwed.
An offroad baja racetruck is designed for handling offroad. Its not as fast, not as precise, but that means it doesn't break down in the sand.
A