Personally, I don't think there is much of a difference between the Gardner guns and the Ilion guns. I really don't think that there is much of a noticeable difference in the finish. But that just my opinion. trotterlg is correct in saying if your buying the gun to shoot, $130 is about what it's worth.
Keep in mind, if your buying the gun to use, the youth stock unless it fits your stature, will not allow you to shoot the gun properly. While you can buy an adult stock here, and switch off to use while shooting the gun, you then would have to ask yourself, why did you spend the extra money for the walnut stock? Also the medallion serves no purpose on a working gun. So keep those facts in mind before you make up your mind which gun you want to buy, and how much you are going to spend.