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This is what I was told by a crusty old Marine gunner (small arms expert) with many years in the Weapons & Training Battalion at Quantico:
With a Ruger rifle, you're paying for the quality.
With the less-expensive Remingtons & Winchesters, you're paying a premium for the name. It's not until you get into the really nice/expensive Rem/Win rifles that they start to truly shine above the competition.
Like I said, that's the gunner's opinion on this.
Oh, and I say 30-06 for an all-around rifle.
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as Ken said, you are paying for quality with the Ruger and in my opinion, it's well worth the few extra bones.
yes, I would buy a used gun, have several times and they shoot just like the new ones. I always check the action and trigger real good to make sure they don't bind or have a catch in them. also look for any stress cracks along the barrel to make sure the person didn't shoot any real high pressure (hot) loads thru it. also make sure the safety works correctly. one thing you can ask the person you are buying from is if the gun has had a trigger job done, this is done normaly to smoothe out the pull of the trigger and also to lessen some of the pull weight of it, I know several guys who have theirs set at 3 lbs or less, I think the standard pull weight is 7 lbs, not real sure on this figure.