The howa's are a bit like Remingtons, in as much as you have to chuck half the rifle away and replace with custom stuff to end up with something worth having.
First to go has as been said is the hogue stock, nasty horrible thing. Second you will want a trigger. If you where unfortunate enough to have bought a blued version, it will need to be kept constantly oiled as it isn't the best finish at all. If you prefer a detachable magazine that is another "extra".
When my Tikka T3 supervarmint was on order and i had got to the nineth month and i thought it was never going to arrive i started to price alternatives. One was the Howa and it was going to cost more than the Tikka to get what i wanted. Thankfully the Tikka arrived a week later.
Have you considered the s/h Tikka route, i sold a very nice T3 lite to someone last year with a moderator for £450 in .223. My local rfd has a stainless T3 varmint in at £650 in .222 and i am sure you could chip it down a bit.
Or if it has to be new i think overall the cz are far better value.
Edited by ianm, 10 January 2015 - 11:31 am.