5 round flush magazine vs 3 single stack
More spacious magazine (length) if you reload long bullets
The Finnlight has a fluted barrel
full metal magazine
3 lug bolt vs 2
you can unload rifle while safety is on
real action sized receiver (long, short, etc.)
metal bolt shroud
metal trigger guard
magazine release safety
''controlled round feed'' at the very end of the stroke on the Sako
one piece machined bolt
metal magazine follower
you can feed magazine from the open bolt and top it off
5 shot moa accuracy guarantee
much grippier synthetic stock on the Sako
Higher grade wood on the Sako stock
more interesting array of models to choose from imo
The only plus side to the Tikka is low price, scope rings are easier to find, more choices and more affordable. Also more chances of stores actually carrying the exact Tikka you want. You might have to be on a waiting list for the exact Sako that you want. The Tikka bolt is also a hair smoother because it's a more bare-bones rifle but some might also call it a little sloppier.
I've owned both and loved both rifles. Subjectively, even though my Tikka and Sako both weigh the same, the Tikka just feels more 'hallow' a little 'flimsy' compared to the Sako. The Sako feels like a true timeless rifle that you can pass on down to your grand children. I've read stories of people having ejection issues on their 85 long action rifles. I have a short action 308 and don't have any issues.
A compromise between the Sako 85 and Tikka T3 is the Sako A7. That means if you decide on a Tikka, buy the really lowest end one (Lite 699$). Any Tikka higher in price then that is just pointless IMO, you should just step up to the Sako A7 (999$) at that point.