Sorry to hear about your camp burning. As for your choice of rifles I would recommend buying exactly what you lost which is the micro abolt. Whereas the Tikka is an excellent rifle youneed to realize that the T3 only comes in a long action so chambering a short cartridge in that seems wrong to me. Also already owning other Abolts then the feel of another would be almost second nature. Besides if you are replacing an item with the same thing your insurance adjuster likely won't think twice about other items in your claim.