I've had one of the Charter Arms versions for going on 25 years now. It's the "camo" version. Let's be upfront - it's not a tackdriver, and never will be. The parts are roughly finished, and the trigger pull has to be measured in metric tonnes, rather than pounds and ounces. The magazine feed lips are sharp enough to shave with - I've got numerous scars on my loading thumb to prove it. The finish (heck, it's just spray paint) is nearly gone from banging around in the bottom of canoe, or bouncing across a truck bed. I guess what I'm trying to say is that it'll never win any beauty contests.
It's also one of the funnest guns I have to shoot. The only times it jams are when I use cheap ammo, or when I tried those crappy aftermarket magazines. I don't know what "shroud" previous posters are referring to, but the barrel on mine is solid aluminum, with a steel liner. If this is good enough to stand up to .357 Magnum stresses in a pocket revolver, I think it'll deal with .22 lead ammo okay. It's more than accurate enough to bounce a pop can around, which is about all I have ever asked of it. My wife (who usually hates rifles and shotguns) loves it, and it's one of the few non-"youth" sized rifles a kid can hold up for a long time.
I vote "Take it to the range, and shoot some good-quality ammo through it. If it works, buy it. If not, you're only out the cos tof the gas to go to the range."