I think 2 things are not clear in the diy world. First, when a gunsmith builds the rifle, they do the machining and set the headspace wherever you want, or they want. Cutting by spec works, but the headspace will end up somewhere between GO and NO-GO, but not bias toward min as when custom cut.
Also, rifles tend not to go together magically. There are issues. Let's take barrel channel gap. Shifting the barrel a few thousandths to the rear will open up the gap and a few thousandths the other way close it. A good smith will ensure free float, fit barreled action in the stock and deal with any sticky points along the way. They have all the tools.....so usually their building/fitting knowledge goes into the price and the tool cost mostly comes out. You end up a few dollars more, but with a custom rifle.
Another thing I'm not hearing in this thread is will your rifle fit you? Take all your guns out of the safe....which length of pull feels best, which forearm feels best, which grip feels best. Check these things in your shooting position....tape stuff on like thin foam to see if the cheek rest, butt pad, grip areas need modifications. Then shop around for the right dimensions, or pay to modify. Where should the sling attach? Will you shoot off bipod, tripod, do you need an ARCA rail, barrier stop, bdl or magazine? Do you need/want open sights as a backup? What will your scope weigh? Those 3lb scopes feel weird on light barrels. Does the stock need balanced? What is your target weight?
To me, these last 2 paragraphs make a custom rifle not the same as an expensive production rifle and I need a gunsmith to get them right.