I've never had any issues with reliability. Every 10/22 I've ever shot was as near perfect as you can get anything shooting a rimfire. Accuracy is, and always has been, spotty. There seems to be no rhyme or reason to it, but some are pretty darn accurate, others only so-so. And that includes rifles from 3 years old to 30 years old.
I don't think I've seen one that was horrible, but 50 yard accuracy with decent ammo can be 1/2" or 1 1/2". With cheaper bulk ammo 2" or a bit more is pretty common.
I have 3 in the safe right now. Only one is as it left the factory, the others have aftermarket stocks, triggers, and barrels on them. Over the years Ruger has made well over 100 different versions of the 10/22 and the standard carbine would be my last choice.
With just a little looking around the Sporters are out there, and usually pretty close to the same price. The standard stocks don't fit any normal sized adult and the extra cost of the factory sporter stock is going to be cheaper than going to an aftermarket stock later. Not having the barrel band helps with accuracy too.