I have a Cooper. The model 52 classic, and the fit and finish is superior to my Sako. I feel that the money I spent on my Cooper was well spent, although they've taken a jump since when I made the purchase. I have no experience with Montana rifles...
I tend rationalize better quality rifles like optics: It's a curve.. Basic rifles/optics are cheap and feel that way, the other end of the scale have a higher dollar to quality ratio - in that you pay more, but see smaller differences. For example you can purchase a set of Nikon Monarch binos for $300 and get a pretty darned nice set that do the job great, or you can go all out and pick up the Swaros for 2k + and enjoy the finer points of the binoculars - but the Swaros aren't 7 times better. They both do a good job...
Trick is finding your sweet spot in the quality/price balance. Make sense?