Another 2 cents...
I have had a 10/22 for a long time. It is nice. Basically stock.
I have found, that overall, Ruger triggers are medicocre at thier very best. Only Ruger triggers I have found acceptable out of the box is my Dad's early 1960's Single Six, and a friends newer M77 bolt rifle.
First thing for a Ruger is a new trigger, or a trip to a gunsmith to have the trigger worked over.
The 10/22 is nice otherwise, but I find the straight stock makes seeing the stock sights a pain. Part of this is my glasses, I know. I recently put a set of Williams peep sights on my 10/22. MUCH NICER! One, I like peep sights. Second though, they sit up higher and are easier for me to see.
I could(have in the past) mounted a scope. I just like to plink with irons sights though. Any of the 22 rifles are accurate enough with scopes, it kind of takes the fun out of plinking.
Every time me and my buddy Timmy go shooting, I put the 10/22 down and shoot his Rossi gallery pump 22. It is like the 1900's Winchester gallery guns. It is WAY more fun to plink with than the 10/22. It is accurate out of the box, and has a nice trigger out of the box.
YouTube - Rossi .22 pump action
http://smith-wessonforum.com/lounge/99594-rossi-pump-22-seduced-me-today.html
I wish I had one of the 1940's Winchester or Marlin heavy barrel target 22's, with a Lyman or Unertl scope on top. Those could put the bullet thru the same hole every shot. They were nice with peep sights too.