You raise a very valid point that adding better water resistance will help particularly in unexpected soakings.
I am not familiar with the Canadian cellular foibles, so this could not be applicable, but I usually go with an unlocked phone bought direct from manufacturer and a SIM-only contract. Every single time I do the calculation in USA and UK it works out substantially lower cost. This liberates you to more freedom of phone choice getting more commonly all together that which you seek. We are now seeing global LTE bands phones so I don’t benefit from a EU phone with LTE band 20 to go along with USA band 12/17.