Dr. Tad - I don't have the time or inclination anymore to reload, and I shoot ONLY factory ammo these days. Virtually ALL of my rifles shoot sub-moa with factory ammo -- because I won't own a rifle that won't -- and because I took the time to do extensive testing to find a load that each rifle likes. Some examples in terms of calibers, loads and best 3-shot groups: 22-250, Fed V-Shock 55-grain Ballistic Tip, 0.28 in.; 257 Wby Mag, Wby 120 grain Nosler Partition, 0.73 in.; 270 Win, Win Power Point 130 grain, 0.69 in.; 308 Win, Fed Fusion 165-grain, 0.68 in.; 300 WSM, Winchester XP3 150 grain, 0.75 in.; 338 Fed, Fed TSX 185 grain, 0.46 in. These are just a few examples. I don't believe there's any shortage of sub-moa rifles or factory ammo. You just have to put in the effort and time to find the optimum load for each rifle. I'm fortunate in that I have certain relationships with most of the ammo makers, otherwise this could get expensive. With my newest .308 (Kimber Montana), for example, I had to test eight factory loads before I found one that would shoot sub-moa consistently. Some brands/weights would barely group within 3 inches. Other rifles, like my 22-250, are inherently accurate. I've only tested three factory loads in that particular gun because ALL THREE shoot sub-moa consistently.