have you actually checked each of these rifles for their accuracy? I have a saiga and its fit and finish is excellent. About as good as you can get. Reliability is top notch as well. I can't see it getting much better. And for the price it is hard to beat.
I have actually, and I must agree with you about the Saiga. When I was shopping for a shotgun it was between the Saiga and Vepr, with no other contenders. Even though my Vepr 12 is probably my favorite gun, I feel I would be at least nearly as satisfied if I went with the Saiga. I can't speak for their accuracy or longevity as I don't own one. The other rifles I listed only because I have them, or know someone who does and have shot them many times.