I like that third shot when using steel on a tough target like ducks. According to "ammo sellers/experts" a steel 2 has the same energy as a lead 4. The energy of the individual pellet is not as important as the total energy we can put on target and it is significantly less with the fewer pellets on target of steel. This is why the ducks are often knocked out of the sky to only swim away. Thus the need of a third shot. Secondly duck hunting is really hard on guns, water, mud, blowing dust and all the crap that is needed for a duck or goose hunt can cause guns to get scratched and sometimes sunk. Me, I like an ugly pump for ducks, nice guns for upland shooting.
But it is for you to do what you want to do. You're not me.