Just a couple things to keep in mind:
1) House fires typically burn at 2000+ degree when fully engulfed and possibly higher depending on material used
2) Water damage from the fire being extinguished is a real possibility - we were pretty happy if we only had 2" of water in the basement on a fully engulfed house fire
3) Think about the location you'd keep the safe as houses collapse based on location of the structural supports - ie corners work better than in rooms located centrally to the home
4) If any of the above 3 things happen, the bb cards are probably toast no matter what safe you purchase; guns can be dried out and reused unlike cards
5) Safe + insurance seems to the overall best route IMO - Good luck
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