Havnt shot the 7.62x39 version but have the 300 blk, the howa is the better finished rifle, stocks on both suck but work, action on the ruger felt like it had sand in it but apparently smooth out with time. The howa mag sticks out in a stupid place, looks like the 7.62x39 mag does the same.
I don't personally see the need for a 20 rounder on a bolt gun, howa's 10 rounder is more than enough, but if that floats your boat them why not.
Both I shot were plenty accurate with the howa having the edge.
Personally I would have the howa. The ruger was just a bit to rough round the edges
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