My opinion, either the Canon or Nikon would be a great choice. Yes, there are some differences, but those are in the details. Some of your requirements, I think can only be met with a Canon, others can only be met with a Nikon.

Now, I shoot Nikon but I am not about ready to get into a debate on which is better. The bottom line is both are GREAT, but some are greater than others.

If you can, go to a camera store and handle both cameras, try the menus, perhaps even rent the two cameras you are considering. Also, look at the equipment that each brand has in their line up. Don't be swayed by comments like "Pros us more Canons than Nikons." Who cares, you are not in the market for a "Professional Camera" whatever that is.

The question you asked can only be answered by you. I am very happy with my camera, only about four years old, and has been replaced by 3 new models. I will consider updating only when my camera can't do what I want it to. (By the way, it's a Nikon D5100, but it could have been a Canon as well, or even some other brand, it doesn't matter).

Do your research, make your decision, and don't look back, certainly don't play the "What If game."

Best of luck in choosing the right camera, whatever it is, I know you will enjoy it.