I've owned a bunch of 22 Revolvers over the years. Rugers, Colts, Smith & Wesson, Dan Wesson, Harrington & Richardson, and probably a couple others I can't remember off the top of my head.
The Ruger Single-Six is an outstanding gun. IF you get one, you won't be disapointed.
BUT if you ain't got the money, you ain't got the money. Personally I'd rather have a Heritage that I can shoot NOW, and then work toward getting a Ruger or a Colt later, than to have nothing at all now, and just think, "Gee, I'd sure be having fun if I just had that Ruger I wish I had."
You're just buying a 22 pistol. It's not a life altering decision. Let's say you buy it and don't like it? What's the worst thing that could happen? You're out of a few bucks? And you can get most if not all of it back by selling/trading it.
For God so loved the world, that He gave His only begotten Son, that whoever believes in Him should not perish, but have everlasting life.
John 3:16 (NKJV)