Ole, remember that your $1275-$1300 is getting a custom gun. BUT it doesn't cost that much. Or at least it shouldn't. Even with shipping and dealer fees, I don't see how a $300 action could wind up being $400. But anyway, pawnshops are all over. Just in the Salt Lake Basin there are a bunch of gunshops and a whole ton of pawnshops. And gunshows are all over the country. Keeping a sharp eye it's not too difficult finding what you want, sometimes at a remarkably good price. But assuming you have an action in hand:
*Barrel - If you have to have a Krieger or Lilja, they cost a lot. But PacNor and Walther(which I would buy), just to mention a couple, are every bit as good and cost about $250. *****Factory rifles come with factory barrels....any of these custom barrels are better than a factory tube.
*Holland (or any aftermarket) recoil lug - Rebarrelling doesn't mean you have to use one and it's not necessary. I have at least 15 Remingtons with stock (although many have been ground) lugs, and they don't need an accessory lug. But since they're only about $25, why not? *****Factory guns have factory recoil lugs.
*True action - Should be about $125 and no more than $150. It's also not necessary. I have both trued and untrued actions and doubt seriously that it makes any discernable difference in how the gun shoots. *****Factory rifles come with an action that's NOT trued.
*Fit/chamber barrel - About $125-$150. Any more than that is too much. And it's exactly what you want, not a sloppy factory chamber.
*Stock - My 2 H-S/Rem. varmint stocks came from Hill Country Rifles for $150 apiece. That's about what a new takeoff is worth....$175 would be tops. New takeoff Rem. laminated varmint stocks go for $85-$125.
Using the higher number in every case, that's $750 not counting the action. And when you're done you have a custom versus a factory gun. There's no comparison. And it can cost less.....omit truing and the accessory recoil lug (new rifles have neither) and it's about $600 plus action. In other words, a used gun rebarrelled and re-stocked (if you wish) that's head and shoulders above anything new from the factory. The barrel/chamber are what's really important.