Having both a savage and a ruger, ya the ruger's more money, but is worth it. The five round savage mags are... well, nothing short of average. The magwell and general fit of the mag to rifle, or should I say lack of, is garbage. If all they give you is five rounds, you can expect to want quick changeouts. I have found several times that this is an issue. Just look at the mechanism... half arsed on the savage, excellent on the Ruger. And try as I might I can't get the savage to group as nicely. Don't get me wrong, I do like the looks and feel of the thumbhole stock and generally like savage rifles. I think it was about two hundred dollars difference between the two. I'd pay that to kill the critter I missed last year due to the crap feeding getup on the savage. Even though the Savage comes standard with the accutrigger, the Ruger I have still sits stock with no intention of changing it- is a bit heavy for some tastes (not mine), but very crisp.
Lots of people poo poo'd the hmr cuz 'for that money you can reload 223' yada yada. Sometimes you don't wanna pick up brass in the field, sometimes you don't want the noise. Sometimes your neighbors don't want the noise. I think no matter which rifle you get hmr's a great little round for its intended purpose... which in my opinion doesn't include coyotes unless a clean shot perhaps within 100yrds. I think I've said it before, seen several guys at the shop counters complaining it didn't do its job. Not sure the cartridge is the one to blame in such a situation. Squirrels, rabbits etc... devastating.