My line of thought is that these rifles should be called purpose-built rifle instead of working rifle.
I have many rifles that are geared to times in the field, life in the truck or to protection of property or life.
My Remington Model 7 7mm-08 serves me perfectly. In my general hunting areas it can be put in play quickly, has the power and range for most all my whitetail hunts and is accurate. The rifle is short enough and light enough it's at home stalking or in the tightest of hunting blinds. I'm probably disappointing you though because I have owned the rifle 30 years and never made one single alteration to it.
I would list all those what you typify as "working guns" I own but why. Over the last 55 years of gun ownership I have listened and tried many things others swore were "sliced bread". Some I worked to implement in the industry, some were valid for me personally, and many just didn't work out for me. Smart is knowing what works for me and helps me be a better marksman. I classify everything else as "gimmick".
All rifles have a purpose so in my opinion calling them purpose built is obvious. With that said even a safe or mantle queen have a purpose, it's just a purpose that in my opinion has about as much value as a woman who is a virgin and wants to stay that way. A working gun fulfills its purpose and lasts, IN THE FIELD.
A working gun is designed and used for (surely) a specific game animal but has a design that can take it, and by it, I mean whatever the situation throws at it. A combat rifle has to be accurate, stand up to nasty conditions, be used as club when needed and function as soon as you pick up ammo.
Be it a squirrel rifle, a deer rifle, designed (by me or a factory) a rifle for Kodiak bear or the most dangerous animal on earth, the hippopotamus. A working gun is not a range or mantel toy it's a working gun for a rifleman who works at being a rifleman. Not sure many know the meaning anymore, but I tell my son that it's drop, acquire, fire and hit, in any conditions, while taking fire. Thankfully I don't take fire anymore and if God blesses me, my children and grandchildren will not have to see that, but you must always be prepared.
You're not disappointing me when you say that you buy factory rifles, in my opinion that in many cases is smart. That 8MM I posted except for a little bedding and a sling is just as bought it. Someone else tried to modify it from a WWII rifle and didn't understand bedding. I have a Howa 1500 in 223, a factory file except for the scope, a Remington 700 BDL in 6MM Remington, except for the scope and after I shot her out the replacement barrel, she's a factory rifle. A 444 Marlin that has the factory thumb extender on the hammer and a sling a pure factory gun, no scope.
The list goes on for quite a while, I only build what I want and what is not made in a quality manner by manufacturers. My 358 Norma, my 450 Marlin are good examples. When I got the 358 no one manufactured them and those who had them protected them like their virgin daughters. To this day no one I know builds 450 Marlins except custom builders. I wanted it cut for 500 grain projectiles in a bolt rifle to function at 60,000+ PSI. At the time Styer made them but only cut to handle 400 grain projectiles and at $4,700. I bought the parts and Mike at the Rifler did the work, for less than 1/3 that cost at that time. He's a gem of a gun smith!
Just my opinion but there's too much fashion and doo dads today, real advances combined with proven technologies from the past, again just my opinion are the future for the rifleman and his rifle.