Kurt makes a good point about expense of good restocking. I saw a Hunter Arms L. C. Smith Fri. nite which had been restocked by Mr. Average Guy. Wasn't checkered and looked a bit amateurish despite a pretty decent bearing on the lockplates but someone had really buried the rear tang screw such that it protruded from the top tang and the safety was inoperable. Inletting a bit deep probably invited this. So stocks are important in other ways besides whether they crack or pieces chip off.
The pix on the Baker AKA This is Cinerama thread illustrate some departure of wood from metal and also the creative use of a church key or some such to pry out lockplates.
jack