Thanks to all who replied for the good information.
To address several points:
- It's a factory accustock lug, no modifications.
- What I have is a "second generation" Accustock without the wedge.
- If I get a different stock, I will likely bed it, but for now, I think I'll work with the current stock.
- Bedding with the action resting on the end of the recoil lug instead of the forward action screw, not only induces stresses, but also increases the bolt-to-(center feed, detachable)magazine distance, so I'd rather have the action sitting directly on the bedding block.
- Would the use of a shim washer around the forward action screw to "lift" the lug off the bedding block really induce stresses on the action? I am trying to understand how this would not be functionally equivalent to pillar bedding. (Regardless, I agree that it is also not an ideal solution if for no other reason than the bolt-to-magazine distance issue.)

Again, I really appreciate your thoughtful replies.