I think the key as you say, is getting the best barrel/rifle combo you can afford. It's for most a moot point after that, as Id dare say most people can't go selling and buying if its not quite what they hoped for.
Taking extreme notice due too this thread, I have noticed a very slight bias towards the left of centre in my groups, and have moved 1 click right due to that. But reality is if as you say, human error is accounted for, it's in reality only a 4cm error at my self imposed max shooting distance. Hardly the factor that would be responsible for a bad hit.
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