The Franchi Affinity is the same quality produced at the same factory as a Benelli. But at a much lower price point. If going inertia, it is the one to get.
I think you know what you're talking about.
I went to Sportsman's Warehouse today and shouldered several shotguns, and it came down between two; the Benelli Ultra Light and the Franchi Affinity. For the money, the Affinity wins.