Even if you need the rifle of your choice in that .001%, it is still better to have it and not need it than need it and not have it.
I'm partial to FAL's. Fun to build and a blast to shoot.
Not exactly an urban rifle. I wouldn't even think of lighting it off in the house or between houses.
Much better in the great outdoors
Tears up railroad tie base plates at 100 yards
Female friendly too