Re: PTR91F Accuracy
I would venture a guess that it is a combination of things, but first and foremost would be the $H!TTY UTG mount. UTG stuff is basically airsoft quality to put it mildly. They flex like crazy and even when they seem like they are tight on the receiver, they generally can still move about. If you want a quality, low profile mount similar in function/appearance to the UTG but one that will hold solid and offer you a stable mounting platform for your PTR-91, get with Adam (HKParts) about the MFI low profile mount. It is more expensive, but in terms of quality, you can get the MFI for around $130 or move up to the B&T mount for around $180. Here is a link to the MFI:
http://www.hkparts.net/shop/pc/HK-Low-Profile-Scope-Mount-For-HK-Rifles-Pistol-118p762.htm
Since you have the adjustable comb/cheek riser on the Magpul PRS2 stock, you could also try to find a deal on a used A.R.M.S. claw lock mount (which you can still use your SS low rings on) and just raise your cheek riser up to get a comfortable cheek weld. They pop up here and on HKPro once in a while for $150 or less and they are generally good mounts.
I don't see any issues with your optics choices or ring selection. The 3-9x SS is a really great option for the HK91/clone type rifles given it's size/features. Just make sure that your cross bolts and ring cap screws are torqued down to whatever values that SWFA recommends for them.
Aside from that, stick to FGMM or other quality match ammo for accuracy testing purposes and see how she goes with a different mount installed.
The other, somewhat more depressing issue to consider, is that you may just have one of those PTRs that just won't perform any better than 3MOA. Some of the early rifles in particular suffered from accuracy issues (among other issues). Again, the rifle is a main battle rifle in nature (even in the its current configuration). If you want outstanding accuracy from a semi-auto, look toward upgrading to any of the large-frame AR platforms (AR-10, LR-308, P-308, etc.) all of which are capable of FAR greater accuracy out of the box than any of the HK clones (unless you want to spend several thousand more dollars on something like an MSG-90 clone, PSG-1 clone, etc.).