Where in the cycle is the bolt stiff? Initial opening, closing, sliding forward or back? As mentioned, Savage bolts are not known for being smooth, but, I have found that they get better with time.

Reloading. It depends on how much you shoot. The cost of the equipment can be quite steep. I'd price it out and see how long it would take to pay for it. The biggest benefit is you can load premium match grade ammo much less than you can buy it. But, it is also an investment of time. Takes a lot longer to load a round than it does to shoot it. And you need some space to set it up. You will also need to like the idea of doing it. If it is a chore then you will be reluctant to reload. I like reloading almost as much as I like shooting but others do not.

Not an easy decision to make if you don't shoot that much.