The answer is: none of the above.
What you're not taking into consideration is the time frame of the rifle(s) manufacture, and the popularity (or unpopularity if you will) of the (at the time) new-fangled, affordable (by poor folks) telescopic sights, and the availability of scope mounts, along with gunsmiths.
RF rifle of the time weren't grooved for tip-off mounts, and not many gunsmiths of the day were even aware of the feature (nevermind able to cut them accurately) - since the grooving wasn't generally a factory option until the mid-1950's, just about the same time affordable scopes were just starting to be introduced.
Most ".22 scopes" were flimsy 3/4" tube jobs - many from Japan ( at the time a lousy optics source) - and about the only affordable 3/4" ringmounts were from Weaver (at first), who offered their sidemounts & ring brackets in both RF & CF versions. (the idea of mounting 1" tube CF "rifle" scopes on a ".22" wasn't intro'd until the mid-70's)
So, for the average joe, earning $35/week & having to eat, pay rent, etc - which would YOU do:
Spend $4 for attaching a $9 scope in a $2 ring bracket & $3 sidemount base (some dispensed with the base & mounted the RF ring bracket directly), for a total of $18 (1/2-weeks wage).
or
Spend (yeah) $20 for grooving, a $40 scope in $7.50 rings & $3 bases, for a total of $70.50 (2 weeks wage).
FWIW, the rifles the owners were "ruining" weren't collector's items at the time - they were "shooters".
Their owners did whatever they thought needed, that they could affors, to shoot them.
.