If you price them out, a White Oak Armament upper and RRA NM lower will not be much more if any than a factory RRA NM rifle, but it will be a much better built upper. I have a bit of experience with this as I have 4 White Oak uppers and I am in charge of 16 RRA NM rifles for our junior program and state association. You have a 1 in 3 chance with the RRA of having to do some adjustments to the rifle like converting front sight to a windage adjustable one due to the fact that the RRA requires more than 1 revolution of windage from mechanical zero to sight it in. The RRA triggers, if they have not bee "tuned" by a competent smith will also be a source of issues. They are good triggers, but not without faults. My service rifle team and friends among them probably field 25 to 30 White Oak uppers, maybe more. No one is dissatisfied. The one problem that was experienced was quickly fixed by WOA (bad barrel for some reason) with no hassle. If it isn't right, John will make it so. When any new shooter asks what I recommend, the answer is always WOA pinned upper and RRA NM lower or better yet, any lower with the Geisselle trigger.
How many of the guys touting the factory RRAs have direct feedback from 16 rifles? When they are good, they are pretty good; but all of them are not what I find acceptable. I am not talking about accuracy. I am talking about the care with which they are put together.