Have you considered Vernon in the Okanagan valley of BC? World class skiing, fabulous road biking, good mountain biking, nice hot summers, reasonable winters....

I have not lived in Vancouver and I've never been to Toronto...but Toronto has brutally cold winters, while Vancouver has a rainy season. I know quite a few people who ride all year in Vancouver, but you have to not mind the rain. I know a few people who ride all year in Vernon, but they don't mind riding in a bit of snow now and again....

How exciting to be making such plans!! Best of luck with your decisions!

Hugs and butterflies,
~T~