I know there's a lot of love for the Rugers and the Buckmark. I just couldn't warm up to them. Ended up buying 2 used .22 pistols off of Gunbroker - the Smith and Wesson Model 41 and a High Standard Victor. I am loving both of them.
The SW41 came with a red dot. Gave it a good cleaning and finally found some cheap ammo it seems to like and the gun is now running almost 100%. And even with cheap ammo the gun is a laser. Due to the weather I've been doing most of my shooting indoors at 50'. Yesterday, shooting at a 3" "shoot and see" sticky pasted to an 8.5x11 piece of paper I was able to put 24 of 25 shots into the 3" circle. And within that 3" circle I was generally able to call my shots, so if the shot broke when the dot was in the lower left corner of the circle, that's exactly where the round ended up. My guess is that if I put this gun in a ransom rest it would be shooting under an inch at 25 yards.
Also, really loving the High Standard. This gun has run like a sewing machine with every brand of ammo I've fed it. The trigger is better than the S&W, which is saying something because the S&W trigger is very good. I'm not getting quite the same accuracy out of it (probably about 80% in my 3" circle) but I suspect that's because I'm shooting iron sights, which for me are less precise than a dot. The Victor is actually set up so that adding a red dot is easy and I may do so just to see what the gun is really capable of.
My final takeaway - I know the Ruger and the Buckmark are obvious/safe choices, but I would give serious consideration to both a High Standard or a Model 41, particularly if you're looking for something more than a cheap plinker. Am particularly loving the High Standard which you can pick up for less money.
So, if you have a budget of $425-700 (which is what you can find a used High Standard for) I would buy one all day over a Ruger (at least for the kind of shooting I do, where I want a gun with a great trigger capable of producing nice small groups). They're very accurate, have a trigger that's miles better than the Ruger, are easier to take down/clean, you can interchange different barrels and they are beautifully built. Plus, I kind of like the fact that most people have never even heard of a High Standard, much less shot one.