My question is: For these sorts of distances, do the higher-priced production rifles really offer me much beyond a normal production rifle, like a Ruger American or Savage 110? If so, what exactly do I get for the extra cash (other than reduction in weight in some cases)? The higher-priced production rifles that I am currently looking at are along the lines of the Kimber rifles, the Seekins Havak, or a Sako. Here, I'm talking about sub-$2K rifles, and I am really looking at lightweight rifles (say 6.5 pounds or less).
I think you will find the main difference between $400-$800 rifles and $1500 or so rifles will be in practical accuracy. Generally, the more expensive rifles have better stocks and triggers. They also tend to be full featured and include things like a muzzle brake and maybe flush cup sling mounts.
Off a Benchrest, you may get similar groups, but in the field, stock fit, trigger pull quality and a brake can make the gun easier to hit with.
I know that a $3K+ custom rifle will show its worth when shooting at longer ranges, and the best tool for me would probably be a custom job with a titanium action, carbon shrouded barrel, carbon fiber stock and such. I just don't think that those extra thousands of dollars are going to give me much ROI if 400 yards is my max shooting range. So, my plan is to invest my money now and then look into a custom when I'm older and have more time to start reloading and truly learn how to use it.
A $3k - $5k rifle gets you what you want and should have a best quality barrel. Matched with truly great load development, this can get you sub 1/2 moa groups…..that said, truly great load development can get you 0.6-0.8 moa groups in many factory rifles.
Custom should include some kind of stock fitting, but is generally done long distance so it does not. To me the biggest difference is you can get any chamber you want throated any way you want by a truly excellent gunsmith. This eases load development and can allow the highest levels of accuracy. Generally the only things holding these guns back from shooting benchrest groups are stock fit to bags, too light, trigger too heavy and shooter skill.
On the other hand, you may choose to build a custom as a 6lb gun with a 3lb trigger and a cf barrel because it is truly ordering what you want.
Superb accuracy is often found at $2500 -$3500 because it comes from heavy SS barrels chambered by a master, hung on heavy glued in actions, stocked in a heavy laminate or fiberglass stock shaped for sandbag rest with a 2oz trigger and no frills. Just lock, stock & barrel at max weight!