additionally, I don't think of "minimalist" touring as touring with a credit card. despite the fact that you're not carrying much gear, to me it seems more like "maximist" camping. You can get what you want, when you want it, and depending on your credit limit that may mean a lot of stuff you don't need.

Make a list of things you think you need to take on a tour, and then remove %50 of the things you though you needed. Then get on the bike! I promise you won't die. Promise! Hell, it could be more fun that you imagine.