Welcome to the fun world of SA handguns.
You chose a good one,, and there is a lot of sage advise above. I happen to own one of the very same models you have on layaway. I also have a few others in 45 colt.
First & foremost,,, shoot the thing.
If the action needs anything,, start small, with just a trigger return spring. I'd leave the hammer spring alone, as you want reliable ignition.
Next,, if the action feels rough or gritty,, then a disassembly & cleaning to start with is easy & cheap. Sometimes that's all thats needed to make it better. If any action work is necessary,, then unless you have experiences in it,, I'd ask a pro do look at it & "clean up" any rough edges. OR,,, you can do a poor mans action job by filling the action with toothpaste (in the contact points,) & spend several hours dry-firing it. Toothpaste is a mild abrasive & will work. Just clean it out real good & lubricate afterwards.
DougGuy has offered excellent info if accuracy isn't as it could be. SOMETIMES,,, the 45 Cal SA Rugers come with undersized throats in the cylinders. It really shows up if shooting cast bullets.
As for his services,, he is top notch,, very reasonable in cost,, and has a quick turnaround time.
And since you mentioned you don't reload,,,, I'd suggest you seriously consider it. That is where the 45 Colt in the Ruger can really SHINE! Most factory offerings are powder-puff loads to prevent issues in older,, not as strong firearms. And of course,,, reloading allows you to shoot a lot more for the same money. Factory ammo isn't cheap,, but once set up to reload,, ammo costs go down,, as long as you have the brass.
Good luck!