I'm so sorry your are still in NJ, I left so many friends there.
Oh, they call it Black Rifle Disease. You have it, there is no cure.
Seriously, don't bother with a .22. If you're going to offend the neighbors, and you are going to offend the neighbors, go whole hog, and get an AR-15. I've never heard of Rebel Arms. I'd trust Stag any day. They are the retail arm of Continental Machine Tool, who made lower receivers for Colt for years. I suspect this: as a female, walking into a local gun shop in NJ, it's like going to a mechanic for your car. They are going to try to screw you. I've lived in NJ for the first 32 years of my life, I have no reason to lie to you. Stag carries a lifetime warranty. Colt is another good choice, if you can get it. To reject a rifle as a piece of junk for the grip is the reason I say this. No one, I mean no one, keeps the original grip on their AR. It's changed by one screw, and rejecting any rifle because the grip is a POS is a dead cert indicator they do NOT have your interests at heart. I know the need to buy is great, but keep looking, keep asking questions before laying out money for anything. You are not going to build a rifle for less than what you buy a whole rifle for. Unless you go PSA, and they won't ship to NJ based on another thread here recently.
I should mention I have a S&W 15/22. I walk the dog with it every.single.morning. We scare deer by walking, discourage dog hating coyotes with it, and murder skunks. Do not get the Performance Center version if you go this route. It will not take Stingers. Although you may not be able to get Stingers in NJ, so I guess that won't matter. My non Performance Center version loves Stingers, and really loves Winchester hollow points. I don't think I've ever shot a round nose bullet from it. It's as accurate as my Marlin 60, maybe better.