Yes, the top one is a single shot, and they truly are expensive! I know you said you don't plan to shoot competively, but the chances of finding a deal on one of these is about zero, if you don't compete.
When I shot competitively, I saw a number of deals for great target rifles go on at matches, and practice shoots. The majority of these guns never really go up for sale. When a shooter decides it's time to upgrade, he usually mentions it to others at a club, or match, and the old gun is gone soon after. It happens all the time, and if you don't shoot competion, or hang with those who do, you'll probably never find the "great deal" you're looking for.
Adult smallbore is the place to start. You can join and shoot with a team, and not have the best gun, or be the best shooter. Clubs are always looking for beginner shooters, as they help the handicap, and average for the team. It's not expensive, until you start buying exotic rifles and equipment, but be forewarned, it is habit forming!