As the differences between the two models is only cosmetic the longevity fcator is the same. keep in mind the stainless variant still has the same aluminm reciever as the other 10/22's. (many think stainless means it's all stainless - not so)
As the differences are just cosmetic, whichever appeals to YOU...go with it.
For the scope, for just an informal shooter, I'd use a Simmons proberly. For the money, they're a very good bang-4-buck choice. Midway and Natchez usually have really good deals on them.