And will I need a cassette tool so I can get to the right rear spokes?

I'm pretty much in the same boat. I do not have a touring bicycle yet. I'm looking at the Trek 720 because the fork bags would save wt. of a front rack and lighter than front panniers. 20-30 L rear bags, a handlebar bag, and the light bulky stuff tied to the top of the rear rack. I'm not wedded to disk brakes. I'm wanting something closer to road geometry rather than touring. I'm willing to adjust gearing. I'm nowhere close to making any final decisions. And I do appreciate your opinions, Even though I have been rude! Sorry for that.