Wow thank you for the detailed and comprehensive response! I really appreciate your insight and I was already leaning towards UofT and your research, together with my own, has confirmed to me that UofT is the right decision.
It's interesting how I was also offered more funding from UofT, for some reason I thought Queen's would have offered prospective grad students more. On a side note, I spoke to Anita and she told me that the school offers a Math camp in August for three weeks as a refresher and the Orientation is the day after Labour day in case you weren't already aware.
Thank you very much again and looking forward to meeting you this fall!