Kanthal, I think we are on a similar journey, with perhaps a different trajectory. My price point was also lower than yours; my choices reflect that. I have looked at it from the PCP perspective and the Springer perspective. First, as others have advised, check out used. Also, check all the hunting/firearm/air rifle shops in your area. You may find pieces and parts that are reduced to a value price. Or, if you are concerned about purchasing someone's "troubled child without a warranty". Then check out the various coupon codes which can give deep discounts of well known products. For example, there is a coupon code for 25% off crosman's prices out there. This brings a new (with warranty) price of a 22 cal marauder down to $405 through crosman. They also offer free shipping for products which are purchased on Friday. You may pay a *bit* more by this method, but you will have a warranty (until you void it with upgrades).
Curently where I am at (ordered or purchased or on hand):
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PCP:
Crosman Maximus 22 cal. with Pump, pellets (500 count), safety glasses, swinging target. With discount and free shipping $263.
TKO muzzle break sound reducer $54
Alliance hobby brass trigger, lighter spring, adjustment screws to improve the trigger feel $69
Mid-value scope Vortex 3-9X40 BDC, on sale for $150 at the local "Cal Ranch" store (normally $199 there, full list about $260).
Economy scope mounts (2 piece high mounts) Sub $20
Sub Total: $556
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Keep in mind with a PCP, you will likely want to tune it... So a chrony is important to measure pellet velocity; it will run you about a $100.
As was mentioned before, eventually you will want a tank or a compressor. Part of the logic of getting the maximus was the very low pressure required (2000 psi), which is easier to pump. This allowed me to delay the tank/compressor purchase.
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Spring-Air:
Caveat, I am atypically comfortable with magnum and super-magnum springers. I can get nice groups with springers. I have been shooting springers for decades, and they seem "normal" to me. The new gas-ram pistons have really improved them all, even the cheap (sub $200) ones.
Ordered about a month ago the following items.
Hatsan Torpedo 155 Vortex 25 cal. $369.
UTG/Leapers 4-16X44 AO swat scope with 80mm sidewheel and mounts. $155
No need for trigger upgrade the stock trigger is decent, I am not aware of a silencer which fits this model
No need for a compressor/pump/tank.
about $50 bucks worth of 25 cal pellets ordered, of different types which other Hatsan 155 owners recommended.
Sub Total: $574
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Also, although not needed, a $60 case was purchased as it was required for the 20 test shots and scope alignment for $20 deal done by the seller (PA),
The differences in approaches.. The PCP starts basic with some add-ons which were purchased incrementally. This helped keep the initial cost down, but pushes the price up into the Marauder range long-term. The Maximus gives about 20 good shots per 60 pumps. That is sufficient for hunting, providing you aren't plinking out of boredom. Obviously, a Marauder with its 3000 psi tank will get you more shots total per fill. There are more upgrade options with the Marauder, so it can grow with you (and the thickness of your wallet).
The Springer was almost the exact opposite approach. I have owned RWS 48's and 52's in the past; they were great rifles. I realized back then (the 80's) that you had to pay a bit more than big-box store prices to get something which was a step above. The 25 cal Hatsan dishes out a punishing 30ish foot pounds of force. This is comfortably in the smack a raccoon to hades category. As it is a super-magnum springer, the scope selection was more about what scope could survive, rather than what scope offered sapphire coated first plane optics with etched reticles. There is no question that the Hatsan is the shooting equivalent of a well-muscled thug. You better not have loose fillings if you get a good cheek to stock weld.
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Why two opposite approaches?
The Maximus comes in at almost half the weight of the Hatsan, it is light, nimble (and other than the horrible trigger) a joy to shoot (until you run out of air). The Hatsan never runs out of air, provided you can keep cocking it with the required 40-50 pounds of force. The Hatsan hits with about 1.5 times the force of a stock Maximus. With the TKO optionally installed, the Maximus makes a better silent shooter, which may offer the chance of a second (or third) follow up shot. Simply put, I am looking forward to playing with both. The Maximus is currently on hand (the upgraded trigger and tko are ordered, but have not arrived). The Hatsan is on back order, but should ship within a couple of weeks. I believe I will like them both in their final trim, and for entirely different reasons.