Before buying anything new you might consider checking out your local thrift stores and flea markets. I have outfitted two complete touring bikes for my wife and I from second hand sources. I've sold the unwanted / unneeded parts and pieces on eBay and actually made a profit on the transactions.

Many of those components most coveted by touring cyclists were standard issue on 1980's and 90's mountain bikes. My idiot proof Rockhopper Comp (just what I need) and my wife's Deore-XT clad KHS cost less than $50 together.

Rich Ligato
www.vwvagabonds.com
Around the World in a Volkswagen