I feel for you. It takes 1000s of rds of careful shooting to master the "mere" 22 to any significant level. Centerfire mastery cant be had without reloading, or becoming good friends with someone who is a massive reloader. A used .22, from a private party, can be had for $250, and sold the same way, brings $200. Nobody says that you must KEEP it, and at NORMAL prices, it is saving you 20c per shot or more. So in 2500 rds, it's paid for the "loss' you'd take when you sell it. I refer to something like the Browning Buckmark. The $125 Phoenix HP22 is a pretty good little gun, but it's SA, too. With the 5" barrel, it's fairly accurate. There's YouTube videos about how to modify the stupid safety. I just glued it out of the way and lowered or cocked the hammer with my thumb. cause the safety is pot metal and will quicky wear to the danger point. One day at the range, normal prices of ammo, pays for any loss you might take when you sell the HP, and 3 range trips does so for the used Buckmark.
As a kid, i had a ton of fun learning combat style work with a .22 Llama auto, as well as fast draw with the SA auto. I had a 1911, but couldn't get .45 ammo, at any price, due to my being only 17 and the law stopping ammo from being mailed to anybody. I found an source of .22 ammo, who was ignorant of the law tho.

I used to spend all my lunch money buying .22 ammo. Had to eat the relish, catsup and mayo that the Dairy Queen put out for burgers!

Shorts cost 60c a box, my lunch money was $1.75 for the week. (1968)
For accuracy, I had a Savage 101 single shot .22, handgun, set up to look like a Ruger Bearcat SA revolver. It would group 1" at 25 yds, from a braced firing positon and I could regularly hit starlings at that distance, from the Weaver. this wowed my buddies, who could barely do so with a rifle. they didn't understand groups or how to zero a set of sights, breathing, etc. I ccw'd them both, working on a hog farm evenings and weekends and killed a lot of critters with them. (mostly the Savage, but sometimes the rapidfire of the Llama was called for.