Thanks for all the advice so far!
The LHT would be at least $400 more than the Rocky. I must admit I am kind of a sucker for the slick look of the Surly or Tweed. I'm getting some quotes on builds from the LBS this week, but I'll be surprised if they come in under $2000. I would build up an old frame and go all commando commuter, but we're in the great flat nowhere here and all there is for sale is clapped out BMX's and department store MTBs. Diehard bikers hang onto their bikes.
I'm not too worried about gearing, we're about 800 km from any serious hills here and my knees still work (for now.)