Well, I paid $569.99 for the last stainless Tikka I bought (a few weeks ago). They are perfectly serviceable out of the box, and I shoot only factory plastic on my Tikkas at the moment. However, no company offers exactly what I want in barrel length, or stock, so I would rather buy a rifle and plan to upgrade, than buy something and be stuck with what I get.
Sako's are great rifles, I sold my 85 due to a lack of ability to customize it. While not as bad, ran into similar problems with my Tikka.
If you want a rifle to use out of the box without mods, this is what I would get:
https://www.eurooptic.com/Sako-S20-Hunter-65-PRC-24-Bbl-1-8-Rifle-JRS20H319.aspx
Well, the 6.5 PRC is a bit over gunned for what I want, but it fits what you want and you will probably say that rifle is too heavy. I live and hunt in Alaska. Native hunters take moose, bear, and walrus up hear with 223 bolt actions.
I primarily hunt everything in sheep/goat country because I like the mountains, I've been down the light rifle path (sub 7 pounds fully loaded and ready to shoot with a sling) and would not go back down it.
There is some fun to learning things for yourself, but it gets expensive. I would have saved a lot of money if I had just listened and started with a Tikka (but would have had a lot less fun and probably have spend the money anyway thinking I could do better).