I agree a M21 will be more accurate but for having tested a loaded ( my brother owe one) and a NM side by side with the same ammo at our range, the loaded is a little back of the NM accuracy wise ( i shot both myself so the shooter is not an issue here), the glass bedding, the NM spring, the NM spring guide rod, the rear hooded aperture and the unitzed gaz system have a lot to do toward excellent accuracy... A very important thing, is that the Loaded is certified 3 MOA and the NM is certified 1.5 MOA both at 100 yards, this is non negligable fact... A loaded is an excellent rifle but spending the extra luth toward a NM is not futile, i do serve a purpose and is worthed every extra pennies... JP.