I'm in the same s(h)ituation. My exception is that at one time I had a GAP custom rifle. Had to sell it (Kids, house, etc). Now I'm ready to get back "in" but not on a bachelor's budget. Except now I have champagne tastes on a Natural Light budget. Here's what I've been thinking....
First, if you're going with a factory rifle you need to consider the costs of upgrading.
If I were to get a AAC-SD, I'd have to replace the stock and trigger, mount/rings, etc. That could end up being another $400-$500, not including the optic. That's assuming the Rem QC is up to par and you get a good barrel etc. When you consider the cost of what it takes to get it where it "should be", it's not such a bargain...around $1200 or more (less if you go with a B&C stock or Magpul)
If I get a 20" 5R, it would cost considerably more, but the stock is good as-is and the barrel, although still a Rem barrel should be a little better. Still could use a replacement trigger though...$1200-$1300-ish.
I'm also considering a Tikka CTR. Great barrel, action slick as snot, comes with base, enlarged bolt knob, and great trigger. Only thing is, although the stock will do, it could use replacing. I figure sell the stock and bottom metal (same as TRG 22) for $400 and add another $200 and get a KGR X-Ray. Total around $1200.
Final consideration for me is a FNH SPR A1A. Yeah, it's $1600-$1700, BUT it's pretty danged complete as-is. Other than a scope/rings and ammo, I can't think of anything it needs. FANTASTIC barrel, great action, McMillan stock (which I like), great trigger, mount included (not to mention tapped 8-40), detachable box mags.


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