Some other options.
I guess REI is not in Canada but there's one in Rochester. REI sells a touring bike called Co-op ADV 1.1 (formerly Novara Randonee).
Comes with racks and pedals
https://www.rei.com/product/122462/c...es-adv-11-bike
Fuji's touring bike was more affordable than either the Trek or the Surly but with the recent demise of Performance Bike, I'm not sure who's selling them now. I see it on Chain Reaction Cycles.
Shown with fenders, rear rack, pedals, and lights but none of that is in the description which is confusing
https://www.chainreactioncycles.com/.../rp-prod179634