42/28 , 11-36 ten speed, not a bad setup. With the stock 40mm tires, gives 21-104 gear inch range, which is not bad.
I suspect the rd can take more than the official 36max, so could get lower possibly.
they certainly are going with what is popular and what a beginner tourer will react to (framebag, seatbag,)
36 spoke wheels, 21mm wide rims and can go tubeless.
not clear how much wider tires it could take.
stock 40s can probably take fenders ok