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Can anyone give a plausible reason for us (non monied) to actually "want" to overspend?
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Certainly not.
These days, "entry level" rifles are often capable of the same accuracy as those costing twice as much or more...but if you get one that happens not to be so, you can't complain about it...
Today, I look at the term mostly as meaning "as-is", and either difficult/impossible to upgrade, or not worth doing it from a financial perspective.
I like the R700 and own one, but for me, I've found that I can scrounge up any Savage action, buy an aftermarket match barrel and stock- and make smaller bugholes for less money.