Going to make two assumptions. The working man is not dirt poor and looks at used, American made rifles.
Highest quality bolt gun? That's easy. Remington model 40X and the model 52 Winchester. Timeless classics in walnut and blued steel. The Remington 40X’s were all hand built in the custom shop. When you open and close the bolt on a 40X, it has a bank vault sound. In today's market, the classic rim-fires are often more desirable then the center fires.
Ammunition is like firewood. The more you have, the warmer you feel.