wait till april and buy a Bob Trailer (at REI during their 20% off spring sale) and don't worry about a rack. After that, all you need is camping gear. A 2 wheeled trailer is fine for pavement touring with a nice shoulder. I've hauled a Bob over 14,000 miles on tour now (with a mountain bike). Then you can save for a couple years, and buy another really nice mountain bike

Since you're on the east coast... a tour of the C&O will make a fine shake down