I've shot competition for thirty years with handguns. I've owned two SW 41's, three Browning Buckmarks, several Rugers, a couple of High Standards, one AMT Lightning, and probably some I forgot I ever owned. For reliability alone, the Rugers are a solid choice. For accuracy, the Browning Buckmarks are a PROVEN choice plus they are very reliable....just a bit more delicate than the Rugers. The SW 41's lasted less than one season each and I gave up on them. FWIW, they DID NOT shoot as well as either of the three Buckmarks I owned. I shot more perfect scores with the Buckmarks than any other gun I owned. I set several records with them and used them in Team Challenge Matches with great success. I won five state shoots using the Buckmarks, two Regional Shoots, and set a shoot off record that I don't believe has ever been beaten with any type of handgun, including all the highest priced ones out there. For my money I'll stand by the Buckmarks for plinking and target shooting for accuracy. Just to carry around as a woods walking gun I'll take the Ruger. The Ruger's a tank but lacks the Buckmarks accuracy. None of the High Standards I owned shot as well as the Buckmarks but were ergonomically designed for bullseye shooting and they worked out better for one handed use over the bulkier Buckmarks. Just my view after all these years and about five-hundred thousand rounds down the pipe. If you want accuracy, you're going to have to use std. velocity high end target ammo. CCI std. shoots about 90% as well as the best imported stuff, but it's 90% as well, not 100%. If you want to win, you need to spend the extra bucks on ammo. Even at that, you need to shoot groups to find out which premium ammo shoots best in your particular gun. Every gun has a distinct preference that way.
Forgot to mention: I just picked up a new SW Victory pistol for under four hundred bucks. It's built with a lot of corner cutting, but in spite of that it will shoot consistent .35-.45" five shot groups off bags and hasn't missed a beat yet for cycling. It shoots better than the 41's I had but just isn't a "pretty gun". It's all about function and not form in this case. It too required good ammo to get those group sizes at 25yds.