Rick I guess it would be what one considers accurate. Others have commented that it is not uncommon for a custom to reach 1/4MOA or better with hand loads. I did not know that was the case. In that regard, customs absolutely win out on accuracy. But obtaining .5MOA to 1MOA accuracy with factory remingtons, savages, tikkas for example I think is very doable with very little modifications depending on which model you choose of course. I have not owned a ton of different rifles, but between myself, my friends, and family I would say I have witnessed 30+ factory rifles shooting better than 1MOA out to 300 yards(this is the longest I can shoot at my gun range). I have witnessed about 12 of these rifles shooting again sub MOA out to 400 yards at my father-in-laws property. Out of the 12 we shot at 400 yards, id say half maybe a couple more are close to the .5MOA mark. Will they hold this out to the 1000 yard mark, I do not know but I do know that the chronographs show very promising speeds with low ES and SDs. So maybe I should have said, if you intend on shooting say under 600 yards, maybe a bit further, then I think custom is a waste of money for the accuracy part alone, but if one simply wants pride of ownership, custom fit to your person etc then by all means get it. Now, if someone was looking greater than this yardage...maybe even 1000 plus yards then I can definitely see the advantages of a custom but let me ask this. Couldn't someone buy a sendero for instance. test it out to 1000 yards. If it shoots good enough then GREAT, if not...800 dollars will get you a custom barrel, trued/blueprinted to your action and the stock epoxy bedded...I bet that rifle will now definitely be capable of sub .5 MOA groups out to those distances and you are still under the cost of a FULL custom rifle. Just my two cents.
Because after doing all of that, you are really close to a custom cost. Let's take prices from a very reputable company such as Bean Land custom rifles. You may get it done cheaper else where but if you are gonna customize your gun then I would want to go to someone that had a really good reputation. Let's say that we are doing a 300 RUM sendero. I included some of these because I am trying to compare it to a custom.
1. Rem 300 RUM Sendero used: $900 (MAYBE)
2. Trueing the action: $275
3. New sendero contour hart barrel : $350
4. Chambering of barrel: ($250) cheapest option there
5. Threading of barrel and install of muzzle brake: $150
6. Muzzle brake: $100
7. Pillar bedding: $200
That's $2,225 and that doesn't include if you want a timney or Jewell trigger, rings or an extended mag box installed so you can seat bullets to the rifling.
I have a Custom 338 Lapua
1: Stiller TAC 338 single shot action : $900
2: 26" Hart fluted sendero contour barrel: $400
3: McMillan A3 stock w/adjustable cheek rest: $575
4: 4 port muscle break: $115
5: All machining work, bedding and fitting by reputable smith: $900
6: Jewell trigger: $200
$3090 total for mine. The main differences that I see is that I got a MUCH better stock, trigger and beefier black oxided action.
It all comes down to you money and preference.