I would advise against looking for your bike in any department store like Target, Wal Mart, or K Mart. While they have bikes with the same features as good touring bikes, they are less efficient machines.
I would phrase this a lot more strongly. DO NOT, under any circumstances even consider buying ANY bike from K-Mart, Wal-Mart, Target, etc. They are a lot worse than just "less efficient".
I've tried to adjust several of these things for friends who didn't know any better and found them so substandard they never worked properly.
Go to a reputable bike shop or a place like REI, where they sell good bikes, can recommend a model that is suitable for your intended use and will fit it to you properly.