@Ben Lamb Not sure what some guy from MI would know about long range rifles, but I agree.
You can find Ruger factory laminates on Ebay and other places. They are hard to beat if you want wood. GunParts.com (aka Numrich Arms) is also a good source. Midway has them sometimes.
I put a Bell and Carlson stock on one of my Mausers and hate it. It was a b!t(h to fit and bed, lots of dremel work to get the barrel straight in the channel. It feels like the wrong end of a baseball bat to me. It will be replaced with a Hogue when I have the loose coin.
I use Hogue Overmold stocks on everything. The full bed ones are getting harder to find, but the pillar bed models are easy to get and are a great value.
If you get a Ruger factory plastic stock, consider getting a pillar kit from Midway or Brownell's for it.
To answer the second question, EVERY stock needs to be bedded, IMHO. But you can do it yourself if you are careful. There are lots of videos and articles out there about it.
Be liberal with the releasing agent and make sure you scrape off any compound that oozes out at the top while it is still soft. (TIP - Alcohol soaked paper towel or swab works great. )