You seem to have identified your "quandary". "Essentially, my scope would severely outdo my rifle's capabilities......" " I just don't want to be the guy that has 10 $2,000 guns, but can't hit a target at 50m because his scopes cost $50". ??????????
There's an answer there somewhere. You'll arrive at it. In the mean time, don't become "that guy" you describe!