I own and like Rugers, but have never had or fired one their semi-auto pistols, I do however believe them to be of good quality and value.
As to the CZs ... I have a CZ 85 Combat, 9mm, glossy blue finish, adj. sights, and adj. trigger- that has never malfunctioned in any way, is accurate, and has great ergonomics. I bought it because it was of ALL steel construction and was a "substantial" type service pistol.
I also have two other CZs that I really like, a .40-P, and a 40-B. Both are always accessable and are never stashed or locked away in a safe. I keep 'em close, usually in spittin' distance.
I know the CZs are more expensive now than they used to be when I acquired mine, but many regard the CZs as being on par or superior to the likes of Berettas, Sigs, Walthers, or Whatever ... that cost way more.
The CZ 75 design has been one of the most copied handguns ever as the Witness, Tanfoglio, Swedish Sphinx, the new Armalite, et, al. Coming from a then Communist country they were banned from import into the U.S. for many years. Also CZ never patented their CZ 75 design.
Col. Jeff Cooper has oft been quoted as saying, "The CZ 75 is the best 9mm Pistol in the world."
They ARE good ... that good.
I have a Belgium Hi-Power, Beretta Brigadier, High end Walther P-5 and P-88 C, ... but one pistol that I would still like to acquire (and you might want to consider) is the Bersa Thunder-9, which is a well made clone of my Walther P-88 C and is still quite in-expensive.
The Bersa Thunder .380:
... is a (superior?) copy of the Walther PPK (a blow-back action).
I have an earlier Bersa Model-86 .380 Undercover model and have found it to be very good in quality, dependable, and accurate.
The Bersa Thunder-9:
... is a quality copy of the Walther P-88 C (a locked breech action).
I think this Thunder-9 is a "sleeper" and a lot of people just don't know or appreciate how good this "all-metal" 9mm pistol actually is. Especially in our new "polymer" pistol world. There's also a .40 version.