If you are serious about the loaded touring part then go for a Surly Long Haul Trucker Complete. $900 delivered from JensonUSA. Hands down the best "off the shelf" tour bike in that price range.

http://jensonusa.com/store/product/B...cker+Bike.aspx

Touring bike vs Road bike

-more robust frame, steel generally although some use aluminum
-frame geometry to accommodate wider tires
-geared lower for loaded climbing
-braze-ons for racks, fenders and other goodies
-beefier wheelset, 36 spokes common
-longer wheelbase for stability/clearance
-longer chainstays for pannier clearance
-typically canti brakes for tire/fender clearance
...