Which do you enjoy shooting more: A) iron sights or B) scope?
At what distance do you shoot more: A) 25 yards and under or B) greater than 25 yards?
Do you A) like your guns just the way they are, or B) like spending time and money customizing and upgrading your firearms?
Do you A) need to keep to a tight budget, or B) have money to spend?
If you answered A, grab the first 10/22 you find, slap a set of Tech Sights on it and be done with it. Blast away!
If you answer B, buy the first 10/22 you find and start researching your choice of .920 barrel, stock, scope, and bipod. Happy building!
If you answer C, all of the above, buy 2 rifles!!!
FWIW, my favorite 10/22 (I have several) is a 10/22-T, which has a factory .920 bull barrel and an upgraded factory stock, and I added Tech Sights. I know there is really no accuracy added from the upgraded barrel, but I got the "T" model because I really liked the feel of the factory stock, and I like the extra weight that the bull barrel adds. Also keep in mind that most after market stocks are designed for .920 barrels.