Since the op's issue is accuracy , I will add my 2 cents worth, having spent many thousands of dollars pursuing this goal.
- assuming by accuracy you mean, the size of a group of bullet holes in paper at 100 yds under perfect conditions, and with an expert shooter - more than 1000 rounds/year
1) I believe that any factory rifle will shoot well under 1 MOA
2) A 500$ factory rifle with a $4000 scope will be more "accurate" than a $4000 rifle with a $500 scope
3) Few, i.e., less than 1% of all shooters are experienced enough to shoot more accurately than the average factory rifle is capable of. Knowing your own ability is key in the accuracy discussion
4)Since accuracy is determined more by the shooter than the rifle,the difference between a casual shooter and an expert shooter is thousands of hours and dollars spent in pursuit of excellence - on forums like this, you tend to see a lot of these type of passionate shooters for whom time and money know no boundaries.
5) In line with that, there is a type of snobbery that goes with equipment that can be the result of either passion or desire to prove one's superiority.
6) Factory rifles are built to shoot any ammo you will pull off a shelf and shoot less than 1 MOA. Custom guns are built to shoot a specific hand load that you will have to replicate to duplicate their accuracy guarantee. Factory rifles can be handloaded and tuned to shoot almost if not as accurately as the custom gun.
7) There is no question that a custom gun feels so much better than a factory rifle. There is nothing like the smooth action of a $1800 action.