I had an M1A Loaded with a stainless barrel and walnut stock. Sold it before I shot it.
I had an HK 91 and sold it (I did shoot that one).
I still have 2 DSA SA-58 rifles and an SAR-48 (all FAL rifles).
I much prefer the FAL. The M1A is probably more accurate out of the box (and definitely more so if you get a good gunsmith to trick it up), the HK 91 is more reliable, but the FAL combines the best of both worlds. It is ergonomic, reasonably low recoil, and, in general cheaper than the others when you factor in 10 or more mags for the rifle. When I sold my HK 91, mags were going for $20+, now they are significantly cheaper.
Basic (High quality) FAL--$800 for a DSA Stg-58 "factory built" kit gun (post ban). Pre-bans can go for $1500 for an SAR-48.
Basic HK 91--minimum acceptable quality in a post ban is the FMP guns--$1000, pre-ban (real HK) is $1800.
M1A--$1000 for a post ban, $1300 for a pre-ban.
If you want really accurate in a .308, you need a bolt gun.
AFARR