I originally responded to this thread on "scopes in the $400 range" and described the Nikon Monarch 3 4-16X50 with BDC scope that I purchased for $400 and said I really like it. However, I mentioned a foolish mistake I made while hunting, and it sparked a separate thread with a lot of good advice for hunters, most of which I agree with. Yes, we should all work up a good load for our rifle or find ammo that shoots well from our rifle and put in a lot of time practicing. We should know where our rifle is hitting at all distances within the range we would feel comfortable shooting an animal in the field. While hunting, if an animal is beyond the range we are confident and comfortable shooting, we should try to get closer or pass up the shot. Having said that, I am guessing a lot of readers are in a similar situation to mine.
I am not rich. I do not have a collection of specialized rifles and scopes that I use only for target shooting and another collection of rifles and scopes that I use for only for hunting. I have a few rifles that I use for both. During the 10 months between hunting seasons, I spend a lot of time at the range, punching paper and hitting metal at distances out to 600 yards (that is the maximum available at the range I frequent). For the longer range shots, I do appreciate the extra magnification and I do make use of the BDC reticle; whereas, I would not use the higher end of magnification range while hunting. For each rifle, I work up a load and sight in to be dead on at 200 yards. I also use a chronograph to understand the velocity. Given the caliber, bullet weight, ballistic coefficient, velocity, etc., the Nikon Spot On app or web site gives the distance associated with each BDC dot, at a given magnification. I have found these to be very accurate, if you provide accurate information. If you are shooting factory ammo, either buy or borrow a chronograph and determine the actual velocity out of your rifle. This will help make the BDC info from Nikon Spot On as accurate as possible.
In this context, for the one rifle/scope shooter, a scope with a wide range of magnification and a BDC or LR reticle is a good choice. But yes, I agree with previous replies. You must practice at various distances, understand where your rifle is hitting, and if you use BDC or LR, validate and understand the point of impact for each dot or line at a given magnification.