Mine is a model 57M Jackson Hunter in 22lr. The 1/4" 5 shot group @50yds gaurentee is an understatement. Ive shot groups with this rifle out to 100yds that would be impressive for some centerfires. I have other accurate 22's, but not like this one. My father in law and my friend both have coopers chambered in 22ppc. I'm not sure of the models. But both are hole for hole rifles at 100yds. After purchasing mine, I had every intention of getting another one. But I got mine pre-family, if you know what I mean. I won't be dropping a couple grand on a rifle anytime soon. Who knew, dad was right, kids ain't cheap.
As far as reloading. I obviously don't reload for the 22lr. And the 22ppc's have to be reloaded. If you go with a very common cartridge you don't always have to reload to find great accuracy. But reloading helps you achieve the rifles true potential.