So you have owned and shot one 10/22 and have two 795's just to be clear...
I have owned more than fifty factory 10/22's... and that does not include dozens of builds from scratch that were non-Ruger.
I have also owned and shot half a dozen 795's... on that basis I restate that I do not believe that the 795 is more accurate out of the box than a bone-stock Ruger 10/22 that still smells like cardboard. As always ammo is the key with every .22 particularly semi's as function comes into play as well as accuracy... proper ammo, proper action care = proper function and all with good accuracy...
You have two 795's... maybe it is time to try your second 10/22?
I have owned one 10/22, but shot many. Own 2 795's, and actually shot far fewer of them.
My emotional attachment was to the 10/22, which is why I bought one (boring story - basically used to borrow grampa's back in the late 70's early 80's). The one I bought was a thorough disappointment. Kind of made a point of "giving a go" with other 10/22's when I could - which is often enough, because they're so common.
I found that my 10/22 was not the exception, but rather the rule, for the basic carbines that have come out in the past 6 or 7 years. During "The great American gun buying panic" Ruger chucked QC out the window in favour of cranking them out as fast as possible to make a buck.
Older Rugers, different story. 10/22's from 2010(ish) and before tended to be much better made, better fit and finish, the extra notch or two in QC that isn't present lately.
And the higher end ones, either from Ruger or the custom builds, can be very nice shooters.
The 795 I bought on a whim because, why not, for $175 on sale? Might as well give it a try. And out of the box, it was plenty accurate, as well as 100% reliable. Picked up a Papoose shortly after, and then a "spare" 795 to leave stock as a basic knockabout (I've since upgraded my original 795 with a Boyds stock and Dip Trigger/Guard).
The 795
feels cheaper, with that cheap polymer stock. It's not an inspiring gun, in terms of looks or feel. But it just plain shoots better, both of the ones I have, than any of the newer 10/22 carbines I've tried.
That's just my experience. If your experience is different, so be it.