A nice glossy finish is fine if you are planning on putting the rifle on a shelf and look at it. I have a friend that bought a nice Weatherby Mark V with a real nice glossy finish on the stock. The first elk hunt we took it on it had so many scratches and nicks in that finish that he sanded it off and it now has a nice oil coat on it.
As far as how smooth or rough the action or bolt rails are, there was a article in a gun mag years ago that told you how to take care of that. All it involved was getting some automotive valve grinding compound and some automotive rubbing compound. You used the valve grinding compound on the rails and slid the bolt in and out, you finished with the rubbing compound. The key was not to close the bolt. The idea of of not closing the bolt is that if you did you would compromise the head space of the rifle. I did this to a Ruger M77 when I first read of how to do it and after a couple of nights the bolt rails were as smooth as any rifle out there. You just have to invest a little time.