Many folks find the '94 intimidating. It's really not that hard. However, if reasonable care and cleanliness are respected, you shouldn't need to.
Then again, one of the guys at our camp presented me with a '94 that was very stiff to operate. It was filled with years of gum, and repeated attempts to free it without disassembly had failed.
So, then and there, in the hunt camp, I took it apart, and scraped the rails until they were free. The difference was amazing. These older rifles are smooth as a baby's butt.
If you want a challenge, move to the Winchester 88, or the Winchester 86. The 88 requires "slave pins" to tear down and re-assemble properly. The 86, just has a lot of parts. For those two I'd recomend having a manual, or at least a parts diagram.
The Browning lever guns are also "fun".

Your best to not even think about it, unless you are mechanically inclined, and have the manual.