"Shells"? That misnomer belongs on the shotgun forum. They're
cartridges.
"Punching paper" is how one determines if the rifle/scope is properly sighted-in and accurate enough to reliably and humanely hunt with. The deer hunter, for example, who thinks being able to hit a 10" paper plate at 100y is good enough, is IMO a disgrace. My hunting rifle is 1/2 MOA with my preferred loads, and I know this because I punch paper with it several times a year, from 100y - 500y. I can afford ammunition maybe because I don't spend money on Snap On.
Snap On is such an expensive tool alternative that I wonder how you can make such a comparison? A Savage is the Home Depot 'Husky' brand equivalent. Snap On would be the (overpriced) Defiance equivalent.
OP, the action is, amortized over the life of a rifle, the inexpensive major component. Jim Borden will charge you about $900 to provide and fit a premium barrel (e.g. Bartlein or Krieger) to your action. An MDT chassis, Foundation stock, or similar will easily exceed $1k. Lots of us try various options before settling (if ever) on one. Scopes can easily cost 2-4x the action price. And then ammo, at say $1.75+/cartridge, whether or not you reload, will far surpass the cost of your action long before you shoot out your first barrel.
So which one to buy? I vote for the Zermatt Origin. Buy it from James and Heather at Northland Shooter Supply. Get it in the brushed stainless finish, which is exclusive to them. They can fix you up with a barrel, extra bolt heads, tools, etc. too.