Have toured with both, week to ten day trips with a light load. Each had lower gearing than stock. The 520 was obviously stiffer with a load and tracked better on a long ride vs. the cross check slightly quicker handling and more flexible frame. While the cross check is set up as a compact double, I believe the stock crank is a triple - you could add a 30 t chainring and probably be able to shift with the stock FD. Another approach is to replace the stock crankset with a mountain - many bike shops will make the swap for a small exp, the FD would need to be adjusted. IHHO, for your indicated needs, which ever bike is a better fit - should be a big decision factor. Both bikes have slightly long top tubes and short head tubes, especially for touring - get what fits better.