I was in the same position as you, I was going to buy the basic ruger and upgrade/customize it. Due to the rather limited availability of barrels in Canada I was going to order the Butler Creek barrel/stock combo. I eventually decided on just buying the Ruger 10/22T. It was like 50 bucks cheaper than buying the basic with the BC combo.
I cannot say what to entirely do but it all depends on what you plan on doing with it later down the road. If you are going to upgrade EVERYTHING then I would find a cheap used one. If you are going to just buy a new barrel and a maybe a stock buy the basic. No point on spending more money if you are going to replace the parts that make it cost more money.