If you really wanted to do some touring sooner vs later, I don't know
why a $1500 bike would be needed.
Supposing you're average height and use a 22-23" frame (55cm,
generally for 32-34" inseam) make friends with an LBS and drop a hint
that you're looking for a used touring bike. The ideal "deal" bike in
that size would have a nice gap, 3 fingers or so between the seat tube
and the rear tire. Braze ons for racks & fenders (i.e. 2 eyelets each on
dropout and fork, plus 2 more on seat stays), cantilever brakes. A
couple of lesser known examples might be a Fuji Touring series (even
series 2 or 3), a Nishiki Cresta or Royale, or a slightly pricier Trek 620.
You might fine one of these or a Schwinn LeTour in decent shape for
under a C-note. An old Blackburn rack, while not fashionable remains
servicable and might be had (used) for a hum (less even than a song).
For panniers, Cannondale Overlanders & Trestles show up used
periodically, as do Eclipse Transcontinentals (sentimental fave's) or
lesser known Kirtland varieties. Not fashionable lately, but lots of
people put lots of stuff in them for a bunch of miles
The point being, I bet you could assemble a touring kit (bike, racks &
bags) for under $300 if you were patient and willing to shift your own
gears.
Now if the point is to drool over a fine new bike, well, yeah, that's fun
too!