Jason, it sounds like you want to get a good, accurate rifle and are willing to spend the money for one yet want to shoot cheap ammo for cost purposes.
Almost all good iron sighted semi auto rifles will shoot 1-3 inches at 100 yards. Not because they arent accurate but becaue the human eye isnt that good at differentiating between three focal planes and keeping them all sharp at the same time so sub 1 inch groups are consistently possible with iron sights. Its human limitations, not the rifle for the most part.
Ive shot a friend's National Match Springfield M1A. Great rifle, and with good MilSurp ammo, it shot 2-3 inches off sandbags for me. My Imbel /Stg 58 FAL wil shoot 2-4 inches off bags with South African MilSurp and Lithuanian MilSurp, 4-6inches with 1973 Indian MilSurp. I've handloaded some 150 grain Sierra MatchKings over IMR 4064 for it but have not shot them yet so I dont know how those work but I expect good things.
Instead of shooting Wolf or Brown Bear, Id pick up some reloadable Military Surplus and shoot that. Then reload it. The M1A doesnt tear up brass, nor does the AR10. The FAL doesn't either.

You'll save money on the Military Surplus ammo and even more reloading it.
The money you invest there and in a press if you dont have one, will be less than what sending your rifle off to a smith for repair would cost because you voided your warranty and broke something using ammo they wouldnt recommend.
Dont scrimp on ammo in your expensive rifle. The results will likely be disappointing.