I would quote the stuff on gearing, but i'm on mobile.
I personally think it matters more the range of ratios that you have rather than the numbers of gears. If a bike with a 3x10 and a bike with a 3x8 (3 referring to the number of front cogs and 8/10 referring to # of rear cogs) have the same ratios in the lowest gear and highest gear, you wont be able to tell a difference IMO.
I personally hate drivetrains with high gears that i feel spin too much. My dad has a Trek X-Caliber (upgrade from cobia) and it has a huge back first gear and a tiny front 1st gear. He is old and out of shape and on pretty much all climbing, he is in the lowest gear. I am young and fit, run 5+ miles every day half of the year, ski a lot of bumps and steeps, ride a singlespeed road bike frequently in a hilly area, mountain bike on trails with a lot of vertical, and seduce the ladies left and right with my sexy legs (cant forget the huge /claim) and i absolutely hate such a low gear. I feel like i am spinning without going anywhere and have very little momentum. So essentially, the lowest couple of gears are completely wasted. BTW I usually ride a base model, 26", Scott Aspect and hardly ever have any problems going over even pretty big obstacles. I however do have moments when i am coming down a trail with some serious speed and i have to slow down and focus more on getting over an obstacle rather than keeping a rythm.
All in all, your best bet is to try out a lot of different bikes. You could even talk to your local shop to see if they would be able to help build you a bike with the gearing you want on a budget. I dont know about how many good bike shops there are in your part of Canadialand.
What is your budget