RE: Custom vs stock guns
I used to believe that the only way to get an accurate rifle was a " custom gun" .
After ownig several types of rifles I' ve come to the conclusion that most factory made guns can be made to shoot very near to or even below 1MOA with some reasonable gunsmithing.
As long as there is nothing seriously wrong with the barrel or action.
A trigger job(either polish or replace trigger), rebedded stock and re-crowning the muzzle are all that are needed in most cases but sometimes a new stock is needed.
My advice is start slow on a new or a good used gun. First maybe with a trigger job, as it helps eliminate human error, and then work up from there as needed.