Well damn...

The IRO Phoenix build will end up being a lot more expensive than either of the completes you've chosen and, as seen right here in this thread, it's literally impossible to order something from IRO these days.

The Trek Earl is a good choice and the Timeline is a great bike for the money. Both are comparable in components. I say just pick the one you like better.

The 48 spoke Julian wheelset will most likely be overkill to some degree. I know plenty of clydes using 36 spoke low profile rims - including a 350lb, 6'3" tall avid tourer who has done several cross-country rides and tours of Canada in the winter - still riding on the Araya box-section rims he's had for years. Personal preference, though.