I've had an interest in these lately, but know almost nothing about them. I'm not a warrior, don't want one for defense or an end of the world situation and don't suffer from paranoia. I don't want a "truck" gun; not exactly sure what that is and I'm not going to buy a truck. I enjoy shooting at paper targets. I'm not much for gadgetry or aftermarket stuff and these rifles look horrible with a scope or other optics, like most military-type rifles do. What are your thoughts on out-of-the-box accuracy, handloading, favorite bullets, powders, etc?
I was inquiring about Springfield M1A's. Are these not considered decent rifles?
They are very decent rifles. You'll find that the M14 crowd is a very dedicated and sometimes gung-ho bunch. Many who own them shoot a lot of matches with other guys shooting the same rifle and it is very competitive. I think it's the best looking of all the battle rifles and I think its popularity is partially linked to that.
If the Springfield Armory version is what you want, get one. They come in several grades, there is the Standard, the Loaded, and the Match/Super Match. For the money, the Loaded is the best value, IMO. It has the National Match barrel and sights, but not the hooded rear sight, although it does have the 1/4 MOA adjustments. BTW, "M1A" is a Springfield Armory copyright brand name, the type is still the M14 although civilian guns are semiauto only. A lot of guys will get a fake selector switch and stock to make it look like the M14, but for a range gun it's not necessary.
I have a Loaded model, out of the box it shot pretty consistent 1-1/4 MOA. I bought mine new in 2013, and gave $1350 for it, which was less than the going price at the time. I had seen it on the rack at a fairly small gun shop inside a hardware store and it had been there well over 6 months. The guy sold it to me for what he had in it because he wanted to move it and I paid cash. They aren't inexpensive rifles.
I don't think they look horrible with a scope, it's all what you like and what you want to do with it. I put a Millet 6-25x56mm scope on mine and shoot as far as 800 yards with it, with accuracy better than I'm capable of (meaning it shoots better than I do). I've used milspec 147grain steel core ammo in it, but there are ranges that don't allow steel core. I only shoot my own reloads now. The M1A is fairly sensitive to bullet weight and velocity, 155 is as light as you'd want to go and 178 is the heavy side. I typically use 168 grain Sierra Match or Lapua Scenar bullets, once-fired Lake City brass and H4895 powder at 41.5 grains. Hot loads can break the op rod and damage the bolt (actually blow it out), so pick your ammo carefully, there are factory .308 loads too harsh for the M1A.

I'd also recommend this book to help you learn about them and keep yours in good condition.
