For sure, it is always more cost effective to get the gearing/group set you want, up front, rather than adding, later. I would like to see the bike manufacturers offer more lower geared performance/endurance class bikes like Emily wants. Seems like they just assume that if someone wants a high end road bike, they must be Tour de France competitors. Or maybe they think we're all young males.
I do okay with a standard compact double 50/34 up front and 11-30 on the back on my Domane WSD for the country we have here, on the roads I bike, but I still find myself bottomed out on some of our steeper hills, even now after getting back into prime bike shape. Be nice to have an extra gear or two in reserve. If heading out into new, unknown territory, though, I opt for my Fargo with its more MTB like gearing. Out in real mountain country, though, I'd only go a triple up front and I'd still be looking hard at the gearing on any particular model.
Best of luck, Emily. I may be doing the same kind of shopping at some point. Be very interested in what you find.