It appears you are talking local competition and/or low/medium level competition. Not competition on a national or international level.
For what you want a Ruger Mrk. II or III, either a competition or hunter model, or 22/45 will do nicely. They come with an acceptable trigger, good adjustable sights, and for under $50 you can replace the sear and magazine safety bushing and have a really nice trigger pull. These rugers, with decent ammo, are more accurate than most people can shoot. The Mrk IIIs come with a weaver mount so you can easily put a red dot sight or scope on them. I have a Mrk II 22/45 and a Mrk III SS hunter. Both will shoot well under an inch at 25 yards with good ammo. Also there are a lot of aftermarket accessories for the Rugers.