I think credit card touring in New Zealand would fit the bill pretty well. towns are close together, there are lots of different kinds of accommodations from hotels to hostels to holiday parks with cabins that don't require cooking, tents and camping, they speak English, it's the right time of year, the scenery is great. Compared to all the other costs and logistics, a rack and panniers to stick on your road bike isn't that big a deal, and you don't even really need to figure out a route in N.Z., just go to the south island and start wandering around.
Get a Tubus fly and Lone Peak panniers from thetouringstore.com - there that's all you need to know.