700c Would be fine. Doesn't have to be 650B. I'm familiar with Waterford (as expensive or more than Riv). Kogwell only has one model, which I'm not convinced by. Surly I like, especially their LHT, which will be available next month as a complete bike with very nice components for a very reasonable price.
A Kogswell with a choice of forks and wheel sizes, what the heck is there to think about. I guess it is more expensive than an LHT, when the LHT is/was available for 360. Looks a lot nicer though that only appeals to so many... To each their own.
Geometry would not be perfect for me in a touring bike, the head tube is more upright than I like, the seat tube is perfect. Like longer chainstays though these are OK. Good BB height. I would need almost the inverse of the seat tube/top tube lengths. It does seem to look towards more of an upright urban stance.