As noted: artillery hold is mandatory on any piston gun, gas or spring. I'm commenting because I am also shooting in a fairly dense environment and I went with a breakbarrel (Hatsan 125 Vortex QE .22) at the beginning. I found myself dissapointed. It was not the gun itself, which performed as advertised. It was that as a noob, I really didn't have a good understanding of what I was getting into with issues like artillery hold, screws and pins that shake loose, sound moderaton and safety.
The 125 is a bit more powerful than the 95, but I can report to you that the QE system on the 125 was NOT quiet enough for a dense suburb. The 95 is a similar gun with a moderator on the barrel but no shroud. In my case, there was a high enough pitch to the pop, that it was obvious someone was shooting something. In addition, I learned the artillery hold using a table and sandbag and got groups to tighten up some. Regardless, I found I could not be "headshot" accurate at 20 yards once deployed in the real world, (ie aiming up in trees at wild angles, down off the deck offhand, and offhand leaning against things for stability, etc.). My opinion is that headshots are mandatory, unless you want wounded pests crawling into the neighbor's children's sandbox 2-doors down. One man's "pest" is another neighbor's cuddly creature, regardless of the law. Not good. Beware. A lot of what you see on YouTube is BS.
Do youself a favor suck it up for an entry level SHROUDED PCP such as the Marauder and pump. Yes, it's more expensive. But by the time you buy a breakbarrel, get dissapointed, sell it, pay for shipping a couple of times, and upgrade anyway, you'll be ahead.
PCP's at the level of power you are looking for are accurate, and quiet. Breakbarrels not so much. It's just a fact of life.
New this year is the Umarex Gauntlet, which looks interesting and is not terribly expensive, while being shrouded AND regulated:
http://www.pyramydair.com/s/m/Umarex_Gauntlet_PCP_Air_Rifle_Synthetic_Stock/4311/8328 I do not have any direct experience but like the reviews I've read. Might be pretty difficult to pump up that large reservior however.
You could also look at the Benjamin Discovery and Maximus, which are less expensive, and very easy to pump. However they REQUIRE an aftermarket moderator to get where you need to be sound-wise:
http://www.tko22.com/ These moderators are about $60 and require installation. I've played with a Discovery. It's adequate.
Less powerful is the Benjamin Marauder Pistol or PRod (12-ft lbs) set up in its carbine configuration. It has a shroud, but no baffles, so there is a bit of a ping or crack to the report that is not quite deadened enough for my needs. It's also getting farther beyond what you want to pay.
A note on safety in dense areas. All these guns are DANGEROUS and can do damage to neighbor's property, pets or (God forbid) kids. Moving up to .22 with some power, even more so. Your backstop cannot just be your privacy fence. You MUST have a 100% safe backstop and a clear zone beyond it in case there are mistakes. You must assume there WILL BE mistakes. Even shooting down into dirt must be measured against the possiblity of riccochet depending on your angle and rocks/debris and such. This makes popping pests in the enviornment you describe, and in which I live, a significant issue. Obviously, shooting at high angles guarantees that pellet will fall off your property. It's not a good idea, even though its obvious a lot of people do it. Please be mindful.
