Did just what you're thinking of as a cabin fever project last winter. I wanted to build a back up prairie dog rifle, maybe save a little money.
Paid $340 for a blue 223 Howa action with the heavy barrel. The dealer wanted $310 for the skinny barrel version. A better haggler than me could have bought it somewhat cheaper, I suppose. Another $105 for the Boyds laminated varmint thumbhole stock with swivels.
My first time doing inlet work on a stock. I just wanted to learn how to do it. Well, now I know, and I'll never do it again. Boyds said they make them 98% drop-in. It took me 12 hours to do the 2%. Another 8 hours or so sanding and finishing, and then I paid a gunsmith to glass bed the action.
My take: If you want a Howa, buy it with a finished stock. Or buy a Weatherby Vanguard. If you want to spend just $450, buy a Savage. Better yet, spend $600 and take your pick.