Lot of different angles here. If you just absolutely can't get the gun to shoot sub-2-3'' with any factory ammo, then I would say you have a problem. If you are just hard certain it is not your scope and/or mounts, it may be the bedding. If you are not confident in your ability to check this, take it to a reliable 'smith for his opinion.
Lots of guns will really respond to handloading if reasonable groups are being obtained from factory ammo. It may take lots of trial and error attemps to find the "sweet load" your gun likes, but once that has been established, you will have the satisfaction of knowing that you have tailor-made the best ammo possible for your particular gun
I have guns that like the factory pressure points, and I also have guns that I have free-floated after some initial shooting decisions.
Free-floating, if done correctly, involves more than just removing the pressure point in the forearm. Firmly mouted actions, whether pillar bedded or solid bedded, the chamber area of the barrel solid bedded, plus the understanding of the recoil lug bedding are key components of a good bedding job, along with the floating of the barrel.
It is generally not a situation that is to be entered lightly. Try all possible alternatives before you try the bedding. I don't know what commercial gunsmiths want for a complete bedding job nowadays, but I'm sure if you get a pro job, it may or may not solve your priblems. A bad barrel is just plain a bad barrel.