I've owned two of them. I bought one of the early production tacticals when they first hit the gunshops. Accuracy was much better than the old style Mini's. The best that I got was 2.5 inch groups at 100 yds, scoped, after trying everything available on the commercial ammo market. I soon sold the rifle, thinking that if I couldn't get consistent groups down to 2 MOA or better, than I didnt want to mess with it.
About a month ago, I purchased a later production Tactical, which in outward appearance is exactly the same as the first, just a much higher 580 serial numbered gun. This rifle is absolutley a tackdriver. I've been able to get slightly over 1.5 MOA with a three shot group, using Winchester Ranger 64gr power points, and a Redfield 3-9X40 scope. The groups (unmeasured) with iron sights at 50 yards is a ragged hole.
The rifle doesn't seem to get overly weird when the barrel heats up, although I don't run it hot, like so many do at the range. Reliability has been flawless with every brass cased factory load that I've put through it. I only use Ruger factory 20-rd mags, so that's the only basis that I can comment on, from the magazine angle. I don't run steel cased ammo through any of my guns, unless they are AK platform rifles.
I won't get into details, but I work in a law enforcement capacity, and my issue long gun is a Bushmaster M4, which I shoot a whole lot, and have absolute trust in. The Ruger is my personal rifle, and I have zero reservations about ever putting it in service to protect my life, should I ever find myself in that position.
Quite frankly, this current Mini-14 Tactical is as reliable, as accurate, and is as easy to handle as I could ever want. Ruger should have worked the bugs out of the Mini-14 platform decades ago, but I'm quite satisfied with what they bring to the table with the current production Mini-14 Tactical carbines. If you feel the need to wring out sub-MOA groups, then spring for a heavy barrel 20-inch AR15, with quality optics. If you are in need of a solid, bullet-proof defensive carbine, and don't mind springing for great factory mags at $20+ a pop, then I highly recommend this carbine.