I have gotten good results from all sorts of scopes and I understand the meaning of the rifle being and staying more expensive than the scope and mounts.
In .22 I'd go for either HW95 Plain Jane or HW95L or HW80K .22 (Long range hunter) but if a scope is going to be used I'd dedicate the rifle to the scope.
You can't have both worlds in having a scope and iron sights dueling each other; you end up compromising either type of sight. The iron sights are already mounted as low to the bore as possible; the scope has to be raised above that lower sight plane and the extra height of the scope makes your trajectories for the Irons and the Scope differentiate to compensate for above normal height sight in (with scope). The HW95L is great for sights and scopes. The sights on the ambi stock are too low for my cheek to see them, the scope on the HW95L in either .22 or .25 (I have both) works very well to take that HW95L out to 50 yards with a scope.
Look into an HW95L (it has iron sights front and back you can "switch" into what your eyes see best; but after you put a scope on the HW95L you will see things you thought were impossible to do at longer ranges.
Don't worry about drop in a .22 HW95L! I have that and the .25 itself which I've shot over 100 yards with accuracy I could NOT believe (the .25 believe it or not is more accurate at 100 yards than the .22).
I think you want a .25 HW95L. I LOVE mine and its brother, my HW80 .25.
Why not just go .25 and avoid all the wind drift problems with lighter faster pellets? I'd choose my HW95L .25 OVER my HW95L .22 for accurate shooting with a scope.
It just turns out that way for me and you avoided the .177 and .20 which are lighter.
You say the ambi stock is great for sights and then you said the sights are too low for you to see them on the HW95L and that's the ambi stock. I have a Santa Rosa R9 and the sights are too low for me to see as well. Same thing with my HW95L of the same vintage. The comb is too high to use the sights. They're useless. And I don't care because both guns are scoped with a muzzle brake.
Your point about dueling sights and scope is exactly what I've been trying to convey. You end up with a compromise that basically is supposed to protect you from a scope failure issue in the field that has never happened for me. The HW95/ R9 is not known to be a real wrecker of airgun rated scopes.
Interesting you suggest the .25. I've never had one but do have a .25 Webley Tomahawk on it's way right now. Might arrive tomorrow. I understand it launches .25 HN FTT's 700 fps. Something different for me to try. Anticipating.