For a regular 10-22... a barrel and a trigger job. You can tinker a trigger yourself and drop the weight a lot if your handy with this kinda stuff, done that too..
Very true. You can spend a lot of money replacing pretty much everything if you want a competition gun. Since you sound like you want just a good, accurate and fun shooter, there is a lot you can do yourself and have fun doing it.
Assuming you are going to work with a your original parts, this is what I would do:
1. If your model has the barrel band, remove it and throw it as far as possible. That little rascal may look cute but it is almost always putting torque on the barrel. The barrel doesn't need to be held down by anything but the action bolt. A little energetic rasp work can blend the stock into a nice taper eliminating the step left from the band inletting.
2. Float the barrel.
3. Bed the bearing surfaces (including the recoil/barrel block) of the reciever.
4. Lap the bore with J.B. paste.
5. Install a trigger assembly washer kit to eliminate slack and slop.
6. Carefully stone and polish all trigger bearing surfaces, being sure to maintain angles.
7. While trigger assembly is apart, carefully eliminate the bolt lock point in the pin slot of the bolt lock plate to allow releasing the bolt by retracting and releasing it.
8. Drill and tap the magazine release for anything you want to use to make release easier. I sometimes just use a front sling swivel stud. Cheap, unobtrusive and easy to hit.
9. If using the standard scope mount rail from Ruger meant for 3/8" claw mounts, remove it, turn your back to a deep ditch and throw it over your shoulder without looking back. Now replace it with a Weaver TO-9 mount meant for real scopes. Do not over-tighten the screws and be sure to use LocTite.
For pictures and tips Google Gil Sengel's article on 10/22 improvements from several years ago.
By now you probably have less than $30 invested in a rifle that is fun. Accuracy with the right ammo should be well within anything but match criteria.