Not all Bedford rifles were made in Bedford. I know of two Bedford County makers who moved to Iowa. Both continued to make Bedford style rifles in their new location. One was Thomas Oldham, who worked in Colesburg, Clayton County, Iowa, from 1865 on into the 1880's. The other was Jacob Breigle, who worked for several years in Dubuque, Dubuque County Iowa, before moving to Maple Grove, Missouri, in about 1865. A "Bedford rifle" that was made far away from Bedford might be more likely to have a "store-bought" lock, wouldn't you think?
As far as the two-piece stock construction. Yes, it could be an old repair, but it could also be the product of a gunsmith with a "waste-not want-not" attitude, making use of a piece of wood that he could not have used otherwise.
Whatever the case, it's an interesting rifle.