yep what steve and the others have said , it varies.
The guns that I do for folks in the white are inlet and shaped to the point all that’s needed is the finish sanding and work on the stock .
I do no work on the metals, with the acceptation of the brass . If it’s a casting I take it down so all that’s left is to put on a good polish .
That being said , I have seen so called in the white guns that folks have bough which amounted to nothing more then a basic pre carve stock with the parts fitted .
Leaving all the rest for the customer to do .
A couple years back I saw a piece that was purchase from a pretty respected and well known maker , here in the NW . the price was only a couple hundred less then a full completed piece .
The fella who owned it was showing his new in the white gun off to others at an event .
I was simply appalled. If it had been me , I would have sent the whole thing back .
The stock had simply been ruff shaped . Rasping left showing .
Parts were left in casting and inlet as such .
While everything was drilled and the rifle assembled , that’s all I could really say that was done .
I just had to shake my head and walk away .
So as others said ask the person your buying it from what level they consider in the white . Sometimes its easier to just by the parts and do it from the start yourself