Guns are durable goods that can pass from generation to generation.
Always try to buy for the future. I don't know anyone who owns a stock Ruger 10-22, not that you cannot enjoy a stock 10-22.
You may not want to customize it now, but you likely will in the future with any aftermarket feature you can imagine to fit any budget.
The only thing original on my Ruger 10-22 is the receiver and the magazines.
The Marlin MAY be slightly more accurate than a stock Ruger 10-22 but try a find an aftermarket stock or match barrel for it.
22LR rifles are often the most utilized gun in the the safe because the ammo is cheap and most people can't afford to shoot thousands and thousands of rounds of centerfire ammo. If you enjoy shooting, you may be instructing your kids how to shoot with this gun in the coming years.