How much "stuff" do you want/need to carry? How often will you (actually) carry that much stuff? Also, don't assume that a rear rack is the only way to carry items. I commute on what is described as a "rear-biased" touring bike, but I much prefer the handling with front panniers and low-riders over a rear rack (with the same panniers).

When people say "touring bike," it leaves a lot open to interpretation.