A lot depends on how much better than 4" @ 25 yards is required. For example, most Glocks will shoot 4" or better with service grade ammo as will most other quality full-size production guns. But, besting 3" at 25 yds will make the pool of candidates much smaller and your choices will be exponentially limited if you want something that shoots under 2 inches.
As it is with most things, you get what you pay for so I wouldn't expect a Ruger SR1911 to shoot like a Les Baer.
Disclaimer: I'm talking in general terms; service grade ammunition - fired from a rested position - by a capable shooter.
There is a lot to this. There is a certainly a point of dimenishing returns in rifles, I assume the same is true for handguns. I guess that means I am looking for Tier II quality
