All the possibilities listed are valid. The ammo you're using is unknown to anybody here. You didn't specify the caliber, but if a shooter is "limp-wristing" it will usually show up when shooting .40, 10mm and
especially .45acp autoloaders. The easiest, least expensive way to find out would be to buy a box of brand name ammo, and have another experienced shooter watch your form when you shoot. If the stove-piping stops, you've found the problem. If it doesn't stop, and your form is good, then you have another problem.
Ruger doesn't have a reputation for making crap
anything, although any product that comes down an assembly line is subject to an occasional glitch. It could be a mechanical problem of some kind, and if it is Ruger will fix it immediately. Pax...
P.S. "Limp-wristing" does not mean you should move to San Francisco and buy a pink gun. It's just a
minor problem that is easily overcome with awareness, focus and practice - it's nothing to be embarrassed about.