Even for beginners, using a rifle that leaves you at a disadvantage to your competition is crazy. The first target rifle I used was a standard wedge-stock 1903 Anschutz that belonged to my rifle team. You could probably find a used one for a good price as they tend to move around with the forming and dissolution of rifle teams / clubs.
It's inherently accurate enough for any competitive smallbore event, but will not destroy your bank account as much as the other models. You can step up to a 1913 or 2016 when you feel the need for it.
Nice rifles are just as important for beginners as for the expert-qualified shooter. If you have an acceptable rifle, you KNOW that your scores are the result of your shooting technique, rather than "that darn cheap rifle".