I am scared to tinker b/c I think that I will mess up my rifle.
Don't be......If you mess something up you get to tinker some more to get it back the way it should be
Seriously though, most gun work isn't rocket science. You just need to be sure you understand what it is you're trying to do, and think it through before you do it.
If all else fails, there are plenty of guys here that are more than willing to answer questions.
And to answer your question, I'm partial to the Savage (mines a 300WM), but then again I'm kind of an advanced tinkerer.