RE: Is excessive freebore normal for factory rifles?
I haven't seen too many factory rifles that have a short freebore- most seem to extend beyond what you can seat a bullet to reach.
On high velocity magnum cartridges, cutting alot of freebore makes it possible to keep pressures down and gain extra velocity. I've read rumors about basement gunsmiths in the past who blew up their rifles trying to chamber them for weatherby magnums without cutting an adequate freebore.
On factory rifles, I don't think you get any huge advantage to seating bullets at or near the lands- There are other factors that need to be considered- is the bore perfectly in line with the receiver? Is the chamber cut square to the barrel and receiver? In a factory rifle its doubtful that a throat is going to be cut perfectly square with everything else, having the bullet seated to the lands will not necessarily align it perfectly with the boare.