Thanks for the reponses.

In my case, if I were to start over, knowing what I know now about myself and cycling, it'd almost certainly be a build out. Simply because to get any stock tourer dialed in to suit me would end up costing as much or more than a build out. But, I'm way on the edge of the standard fit box. Plus, I've learned too much by now about what I want/need in a touring bicycle.

Best I just stick with what I've got.