Yeah, particularly after dropping about $1600 on a new safe set-up, the 10/22 is easily the front-runner here...The 10/22 plus nice optic is a sensible amount of money. The CZ plus a nice optic becomes expensive. CZ 22's with iron sights have a different stock than those that are slick and without iron sights and intended to be scoped. The iron sighted rifles have scopes with a lower comb. Thus the shooter using a scope is contacting the stock with chin and not cheek--depending on scope dimensions and ring height. Using low scope rings is not always the answer because the bolt handle very well might hit the scope's rear objective. Regardless you still have a stock with low comb.
My suggestion is that if you select a CZ, buy the model without iron sights and with the higher comb. Select a smaller scope, use CZ rings, and live happily thereafter. You will find that using CZ rings is easiest since choices are limited. You will find that if you are not careful, you will end up with a scope and ring combination that won't work. Unless things have changed, CZ is the only source of factory rings for these rifles. Magazines are very expensive and have low round count.
The CZ is a purist and advanced shooter type rifle. Rings and magazines are expensive. They, the rifle, and a nice scope will hit you close to $1000. I would not gift one to any person who is a new shooter, does not know the difference, and who might lose interest. If your friend shows promise and interest as time passes, then she will be a candidate for a premium rifle. I think that the model intended to be scoped comes with factory rings.
I own and shoot CZ rifles. Reread the above comment about bolt handles hitting scope objective bells. Buy the Ruger 10/22.