Mr. Gray said:
Highly figured woods are also a little harder to shape and carve, due to the irregular grain structure. You have to go at it carefully, with very sharp tools to avoid tear-out.
For the same reason, they can also be weaker in some areas, but that wouldn't worry me.
If I had to choose, and had the resourses, I'd go with a nicer grain and less "fluff" for a civilian weapon.
I agree, and a little harder to finish in some cases as well. With eye-popping wood, who needs fluff? As a hobbist wood worker and turner of high grade hardwoods for nearly 50 years, I'll add a few observations.
While each chunk of wood has properties unique to itself, of the highly figured grades of wood, curl (fiddleback) is pretty easy to work and is not overly sensitive to cracking or temperature extremes. Burl, crotch and grafts can be, are all a little harder to work and can be temperature sensitive. Burl can also contain inclusions, usually bark if an aerial burl, stones, etc if a root burl that can "suddenly" appear as well and either ruin or add to a project depending on what it is. It's a sickening feeling to hit a stone or metal inclusion with what WAS a very sharp tool I can tell you.
I have three 4A-5A exhibition fiddleback maple stock blanks I had intended to use on muzzle loaders before my health went south. Maybe wrongly so, but it seemed to me that fiddleback was more tradtional on them than other highly figured wood. Either way its hard to beat a 100% fiddleback maple stock on a firearm with a finish that is correctly done. Most rifle blanks have 90% of their figure only in the butt stock with burl, crotch or grafts, and figureless - colorless forends.
BTW, many of my modern rifles and specialty pistols wear exhibition grade woods because I love beautiful wood. Even so, they were still tools I used in the field as much as any of my firearms. What good is pride of ownership if they stay safely hidden in a gun safe? No doubt you tend to take better care of them than Plain Jane sticks of wood, but minor mishaps are easily repaired no matter what the grade of wood is.
Ignoring the PC Cops, I too would not order a custom rifle with plain wood unless it was intended to closely mimic a firearm that was only available with plain wood. Often the wood upgrade cost is tolerable, especially if only to the select and not exhibition grades.
FWIW-YMMV