Howdy Mr. Possum, I am not trying to be rude so don't take this the wrong way but here it goes.....I don't think you should be worrying about MOA/SMOA/IPHY. The reason I am saying this is because if you are gonna use a cheap BSA scope it more then likely won't have precise or repeatable turret adjustments. By all means take it out and test the thing and don't just take my word for it. If you are gonna just use the turrets for come-ups it needs to be pretty much dead on in terms of adjustments. I have owned several so called cheap scopes and most of my friends use them so I'm not trying to bash anything or anybody here, but I don't think I have ever messed with one that is spot on. I have seen lots of them that won't move every "click" or will make bigger jumps then what it should have. If it doesn't adjust correctly don't get discouraged as there are ways around it for the ranges you will be using it. First, if you can find one with a mildot, I don't know if the model you will use has the option, the mildot is pretty decent for hold over marks. Especially if you play with the power setting and mark it correctly for different ranges and different dots. You can also use the duplex part of the reticle for hold overs at different ranges at different power settings. These aren't as precise as dialing, but you could be surprised. If you have any questions about my rambling just send me a PM.
Courage is just fear that has said it's prayers.
The people trying to say the 2nd Amendment is outdated are probably the same folks that would say the same thing about the Bible.