Order a Cooper built exactly how you want it and sell off a few other guns to help pay for it. It might take a year to get it so you have the chance to save more money to help pay for it.
You will have no regrets and a rifle that will stay with you until you die.
To be fair I am a bit of a .22 rimfire slut.
CZ - I have 2 - One Mannlicher - One 455 with darn good wood. CZ represents the best value in .22 todays
A BL-22 with a Skinner peep on it. Ton of fun. Usually run Winchester CB match through it. Quieter than my air rifle and more fun.
An old Winchester semi-auto that was my grandfathers
A weird single shot German one I need to research some time.
A 10/22 because, after all, I'm an American. This one I bought in 1980 for $89 at Kmart. It was the first rifle I bought myself.
Cooper is the most correct answer, so much so I did it twice.
The first one was an off the shelf that shoots great. This one they stocked with a piece of walnut that my Grandfather cut off our farm in KY 40 years ago.