1) It won't be an 'if' thing. Eventually it will get less accurate. However, you do need to field strip and clean it when it's brand new out of the box, but you don't need to clean 'em after every trip to the club. Takes a lot to crud up a .22. Even a target rifle only needs an annual bath. (Did that in the CF when I ran an Army Cadet Corps years ago with my C1A1's, No. 7's and No. 4's.) Actually makes a .22 less accurate if they're cleaned too often. As daft as that sounds. .22 ammo is really pretty clean stuff and most firearms shoot a bit better when they're 'fouled' a wee bit.
Field stripping is not a great deal of work by any stretch of one's imagination. Field stripping does not involve taking out the firing pin or any of that kind of stuff.
A 9mm doesn't need cleaning every time you shoot it either.