I don't care for the Mosins too much, they are accurate enough for general purpose plinking (aprox 2MOA) but they are a long way from a range masterpiece. There is absolutely no refinement to the Mosin, but that is it's appeal to some people, I think it would make a better club then a rifle, but to each his own, the stock is poorly designed, the action is rough to say the least, only feature I really like is the iron sights which are pretty decent. Mass production Soviet quality, you get what you pay for. As far as reliability goes I have never had one break but I have had feeding issues with one of them. If you are into WWII era guns, don't need fantastic performance and are on a shoestring budget then the Mosin is as good a choice as any I guess. There are modern rifles you can get on the cheap that will shoot circles around a Mosin ANYDAY, namely the Savage 110 and Marlin X7 I have been able to stroke regular cloverleaf accuracy out of both.
Oh and as to the recoil of the Mosin carbines, they are unpleasant to shoot for me, and I can handle several boxes of 30-06 in a lightweight well designed rifle. Not really painful, and it does not leave a bruise like my old 70 did but not something I enjoy shooting.