If you want centrefire quality then pay centrefire prices. It seems clear that you value looks and finish over function.
I have a SS marlin 795 and it functions flawlessly and is more accurate than I can shoot. I couldn't care less what the finish is like when it performs the way it does, and the finish isn't terrible. It certainly isn't "rubbish" or a "pile of crap" as you call it, I've owned a few now and all functioned flawlessly so i'm guessing by your comment that you've never seriously used one.
I also have a Norinco EM332 and it functions flawlessly.
One good bolt and one good semi, I spent as much money as I needed to to get good accurate .22s, any more money spent would've been wasted. I think the my pair of .22s owes me less than $700.
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