[Smurfette]

I love them both, you can't go wrong with either. I know that's not the answer you were probably looking for. Since the specific 10/22 she likes is close in price to the s&w, I would go for the s&w. I feel like the advantage of the ruger is it's affordability, but since the customization she likes brings it nearly on par in price with he s&w, go with that one. Either one is a spectacular gift.
It would be hilarious if you took a whole bunch of little boxes, wrapped up individual bullets. Then presented her with the big box with the gun later.