I think that the home built gun will be the norm within 3 years.
I have to agree.
It's already my norm.
Pre-order from American Rifle Company: Archimedes long action $1,120, Xylo long action chassis $800
From Area419: Triggertech Diamond trigger $216, Sidewinder muzzle brake $195
From Lothar Walther: 30" 338 RUM prefit $670 shipped
From Accurate Mags: 2x 3.85" 300 RUM magazines $160
That's $3,161, I had to wait a long time for ARC and I'm currently waiting on my barrel but my action, chassis, trigger and magazine work beautifully together. I hope and expect that my barrel will just screw on and be ready to go.
My case is about another $200 and I'm probably $800+ in to brass, bullets, dies and powder, then there is optics and some other stuff.
If I get a Tract 34mm scope, I'm going to be around $6,000 all in which is a big number but less than buying an equivalent high end rifle off the shelf or having an equivalent custom built by a decent gunsmith.
All I have to do is put it together and the hard part about that is torquing on the barrel and pressing in the trigger pins. Everything else is easy to do with Allen wrenches and torx drivers. The barrel does require a barrel vise and a rear entry action wrench, that's about $200 in tools.
If I didn't get preorder deals or my trigger on sale, the total would increase by about $850.
I'll have to do my own ammo development and generate DOPE and that is a big expense because my "local" 1,000 yard range is a 3 hour drive. It's also a training issue because practice is expensive and infrequent too.
I'm sure building and making my own ammo works out cheaper but not by as much as it seems upfront. I could probably justify the cost to avoid the time required for load development and DOPE generation but then I couldn't justify going to the range so I DIY.
If I was on a tighter budget, there are less expensive actions that would work fine and I could put it in a KRG Bravo chassis or budget stock. My spare trigger is a Triggertech Special that I bought on sale for $140 so money could be saved there. Using a 26" plain Savage style prefit barrel with a barrel nut would cut the barrel cost in half. I could have reduced the cost about $1,200 if I wanted to. If I used a less expensive scope my all in cost could be around $4,000.
The way I did it, I bought everything over a pretty long time so the extra I spent hasn't hurt yet.
I don't know what the $12,500 rifle is but if it has lots of hand engraving and custom ammo with DOPE, that changes the value equation. I still wouldn't buy one on my budget but it makes more sense.
I'm just going to try to enjoy my savings when I'm shooting a rifle that cost less than half and might be better in a few ways.