I traded a Browning Gold (same as the Winchester) on an M1, so you can guess what I would do.
BUT, handle both and see which fits you better and which “feels” better. I think that is more important than anything else. Both will be plenty reliable, I had to clean my Browning more I guess, but it shot softer.
I don’t think you need 3.5 these days, especially for ducks. Maybe for geese, but with Hevi-Shot and the like out now, 3 inch is plenty for them too.
I would get the Benelli or the Winchester, whichever fits you better.