I am a big, biased fan of Marlin .22 rifles. 10/22s work fine, but they really are the McDonalds of plinkers. Now, I'll eat at McD's when I'm hungry and broke, but I prefer not to. Why, exactly, would I need a thirty-round banana clip and a folding tactical stock on a .22? Are we being invaded by an army of terrorist woodchucks? :-]
#1, The point from the OP is to indeed get the best for the money, and when I'm hungry and on a budget I go to McD's (Jack in the Box, YMMV).
#2, Having the option to have options is what I like. I like being able to get a 30 round mag and as mentioned before the reason I want a folding stock is to stick it in a pack. The 30 round mag is just for fun plinking IMO, I'd use the 10 for hunting since it fits snug, but it also fits easily in pockets.