For the Tikka:
- Tikka is a better action than Sako S20. These sako 3 lug, passive ejector at 6 oclock are very close to throwing brass into scope turrets.
- Tikka has very sizable aftermarket. Sako - like zero.
- Any Tikka is a Tikka, meaning that you don't need to buy TAC A1, you can buy any Tikka variant and put it into a chassis later. MDT has a very good selection. KRG Bravo is a very good option.
For the Sako:
- Action is lighter, finish is better
- S20 looks sleek
- As a whole package it is very reasonably priced for everything included compared to TAC A1
I would choose Tikka any time over S20, with S20 you are locked and done, nothing else fits it, if anything breaks on a stock you can only replace it with OEM which will be tripple price never come to Canada affair. With Tikka all options are open: prefit barrels, plenty of stocks, pic rails, you can sell whole Tikka, just action + barrel, just action, stocks separate from the rifle and so on. With S20 you won't sell anything.
If you have issues with prices, it means it feels too expensive for you. In this case take Tikka UPR for $2k, or Tikka CTR for $1.4k. You will add a stock new or second hand chassis once you have some extra money.
If you want a nice rifle now, you don't care about aftermarket, you are not going to shoot a lot or be rough with the rifle or plan to sell it - take Sako.