I just got a Ruger New Vaquero, and am waiting for the second one to show up. I've had a lot of Rugers (15+ maybe?) and the New Vaquero is "different". It is pretty much "done" when you take it out of the box. They did pretty much everything that normally needs to be done already.
So, to answer your question, the Vaquero won't be the first thing out of your package that you will need to go messing with.
If you want, you can swap springs around (Brownells has parts) for reduced trigger pull. It's not bad right out of the box. For action shooting I would suggest shooting it like it is for a while before deciding if a lighter springs is a good thing or not.
As far as the Stoeger coach guns, I got both a single and a double trigger last fall. The double trigger has worked fine to date (only about 100 rounds thru it so far). The single trigger fired both barrels every time that I pulled the trigger. It went back , and still did it when it came back. It went back a second time. They said that I was too easy on the trigger, and that if I jerked it real hard it would not double. I didn't want to deal with it, so they replaced it with a double trigger version. That one works fine so far (only 20 or so rounds through it).
While I had issues with the gun, I have to admit that the Stoeger service people were nice to deal with and took the issues seriously. They deal with the problem as best as they could, and I got something that worked in the end.
I can't speak for long term longevity yet.... too much snow on the ground to go out and shoot right now. At the very least, keep looking at the double trigger version, shy (run) away from the single trigger version. Also, the deluxe model ($100 bucks more than the basic model) can be had with a stainless receiver and it comes with a rubber butt pad (a necessity). Both of mine are that configuration.