I probably drink more c-c-c-c-c-coffee than you
Exchange rate looks like $1.22 CDN per $US off a forex site. Banks and credit card companies will probably shave a few points off that, so maybe divide by 1.18 to get equivalent US ?
Our credit card companies went through a phase of grossly overcharging on exchange rates, but after some beatings they went back to only grossly overcharging on interest rates. Wouldn't hurt to check with your cc provider.
For accomodations before and after, unless my new house goes totally off the rails I can offer a place to stay near Toronto (and probably transportation) plus almost as wide a selection of Axiom products as they have up in Dwight. Might not be set up with guest beds etc.. but there will be A/C, running water and a couple of thoroughly sleep-tested sofas.