I have a stainless 10/22 bought used from Reliable for $395. Heck of a fun little rifle, and I picked it from among the many which pop up at Reliable because it has a stainless Butler Creek folding stock, making it much more handy for stowing in a pack, and still comfortable for shooting (though some don't like 'wire' folding stocks).
You may as well keep an eye on Reliable's used rifles page, as amazing deals pop up fairly regularly. Right now they've got a few listings, from a synthetic stocked stainless for $395 to a rather fine looking wooden target stocked one for $995. Or maybe there's a similar shop where you live.
https://www.reliablegun.com/en/used...Size=96&viewMode=grid&orderBy=15&pageNumber=1
As for the Derya, it's still relatively new on the market and not a whole lot to be found about reliability. But a good friend bought one for his son, and both the boy and the dad (and a few friends) all LOVE shooting that thing. Here's a sale on them from another site sponsor:
https://www.canadiangunnutz.com/for...Auto-and-Lever-Action-22LR-Plus-Free-Shipping
As for spending a lot on improving a 10/22, I wouldn't bother initially. But hunting for Youtube tutorials on polishing certain parts and other DIY tweaks can really improve reliability. For mine, I 'ramped' the bottom back corner of the bolt to ease contact with the hammer, reducing friction between the parts a lot and eliminating stovepiping. Polishing trigger and sear (carefully!) improved the trigger a lot. Nothing much involved cost-wise there, just need to have a few grades of fine sandpaper - going to maybe 1000 grit, finer if you like - and some green polishing compound on a leather strop to finish the job. Making all the parts which rub against other parts smoother makes for a more reliable mechanism. This was especially important for me as I like CCI SV in all my .22lr rifles, so I adjust them until that round chambers and clears reliably. Not interested in hyper-velocity stuff, which admittedly cycles these actions more reliably, but is just more power than I want for plinking. The SV stuff is economical and always available, and decently accurate to boot. So for example with my GSG-16, I put in lighter springs, as it was plainly designed to cycle well with hotter cartridges and often jammed up with CCI SV.