Breaking the bank isn't always a bad idea. A really good 22 is the only 22 you will need. And they will last long as gun ownership will. Quality AR platform 22's, and bolt guns, and maybe a few semi-autos will be worth owning! I probably won't bother with the AR platform (I do have an adapter set-up), but have 5 real good and 6 or 7 good 22's. What is surprising is how good so-so in the 1950's is! For Christmas in the early 50's; mom bought dad a Mossburg semi auto with scope new for like 12 or 15 dollars. He has all kinds of big dollar 22's, but that is still his go to gun for critter control and plinking. The Weatherby/Anshutz of few years ago could be had in the $400+ range, and are unbelievably good shooting. I've had a 10/22 for over 40 years without a hiccup and my best friend just bought a take-down model for a truck gun and it seems to be right in there. The point is to buy quality/proven designs not the latest, cheapest junk, and it will be the last 22 you will need (until you kids want to start shooting).