Canadian Tire and Costco are two places you should absolutely avoid. If you aren't experienced with bikes their bikes look fine on paper for the price. In reality, you will spend lots of time and money to get them to perform properly, and will still have a bike that is likely untrustable.

Go to an independent bike shop and explain what you want to do and your budget. They will be able to kit you out appropriately. For Canadian made bikes, my wife has a Devinci which, so far, has been great for rugged urban use with panniers and racks. I suspect that it would hold up great to touring travel.

It should be totally possible to buy and outfit a bike for $3k CAD