Sorry for the necro (I guess I'm in a similar situation to the OP now, though), I would add that something to consider is that while the MA programs at McGill and UBC are both 2 year, thesis-based programs, the MA at UofT is 1 year, course-work based. I'm not sure how this would affect potential PhD applications moving forward from those degrees, although it seems like it would be harder to garner recommendation letters at UofT because of the application cycle timeline.
Thoughts?