I would like to pick up a .22 for target shooting and general utility. Budget is 500 max. Do I want a Ruger with the HB or something with a bolt like the Savage or CZ?
Don't take this wrong, but how the heck are WE suppose to know what YOU want? WANT is a personal factor.
What you NEED in a rifle is accuracy, reliability, and functional usefulness.
By functionally useful, I mean that it's something that you'll actually be comfortable carrying with you and using, as well as suiting the purpose you want it for. If it's not these things, then it won't matter what kind of rifle you get, you'll not like it and therefore will not want to use it.
There are any number of .22 rifles out there that will fit the bill, all well within your established budget. Here are some things to consider in making your choice:
1. Handle a few rifles and see how they feel. You should be able to sight comfortably and easily with the iron sights. I don't mind a little weight, but it might be more of a concern to you than it is for me.
2. For simplicity, reliability, and easy of breakdown/cleaning, you can't beat a bolt action. Well, unless you go single-shot, that is. Semi-autos, though great in their own right, are a bit more complicated for general cleaning and maintenance. Not difficult, but definitely not nearly so simplistic as a bolt action.
3. If you have the chance, shoot a few. If you have any buddies with some, check them out on the range.
I said "want" is a personal thing...and it is. When I bought my first rifle at 18, I had done MONTHS of looking waiting for my birthday to come. I wanted a bolt action...and the tube fed magazine was really an attractive feature to me. As a result, I settled on the Marlin 783 bolt action .22 WMR. Loved the montecarlo style stock and boy, was it an accurate and powerful rifle for a .22!
But it was the LOOK that sold me. I WANTED that rifle with all my heart.
I don't know what drives you...what makes you tick. Looks are an important part of the "want" factor. I say that so long as the rifle is accurate, reliable, and functionally useful, it will meet your NEED. So pick out what you WANT with this as your baseline. Plenty out there in that kind of budget.
And remember...there's absolutely NO reason why you can't buy another rifle at any time you wish, using your experiences with your first to guide you.