Such a relative question... 10/22 vs CZ is a quality over quantity argument. A lot of people love the 10/22, but most people love it because of how much it can be modified, and very few proclaim it's out of the box accuracy, because from my research, out of the box, the majority of them are not very accurate by most peoples standards
But there is another relative statement, what one person considers accurate may not match my thinking. For me an accurate gun means it's capable of 1" or less at 100m. The CZ and Savage can do that with the right ammunition. I have yet to see any semi do it. My marlin model 60 came close at around 1.5" on a good day.
If you want a high quality rifle built to last with fine craftsmanship at an affordable price go for a CZ 452 model if you can find one. The 455 has a TOTALLY different barrel mounting system. The 452 is threaded and screwed into the receiver whereas the 455 is made to be easily interchangeable and is a slip fit held in place with two grub screws. CZ's also feature cold hammer forged and lapped barrels with near bentz, semi match chambers. They are probably the least picky of all the guns being discussed.
If you want a gun that is likely as accurate as the CZ but can do without the fine workmanship and handsome appearance of blued steel and walnut, the savage is an excellent choice. They are an excellent value for the money and will shoot much much more accurately than a semi auto. They can be somewhat picky about finding the right ammo, but once you do they are tack drivers. My FVT would regularly shoot sub 1/2" groups at 50m with aperture sights. The plastic stocks are not worth a pound of piss though. Expect to replace it or heavily modify it.
The 10/22... I have never owned one. I have shot many, but was less than impressed with both the accuracy and the wideness of the stock which is necessary to accommodate the fat lil' magazine. But, if you want to spend money you can chase the accuracy till it shoots good, and make it look however you want with all the aftermarket parts available.
The mossberg is a glorified airsoft gun in terms of quality. Cheap plastic shell held together with screws... Looks cool from a distance I guess. That huge carry handle and awkward moulded sights are junk though, and any optic mounted ends up several inches above the bore. A terrible design in my honest opinion.
I think of it in terms of cars;
CZ 452... Is like an affordable mid size luxury sedan
Savages... Are like a Toyota corolla, they work awesome but are kind of utilitarian.
10/22... is like a honda civic.
The mossberg is like a lada
