For those who did not get it this year, I know how you feel because this was me last year. However, try not to get discouraged, keep productivity up and apply again. My overall score was a 4.5 last time and this year I managed to get it (applied to CIHR both times). Hard to say which funding agency is the most competitive but historically a lot of the CIHR vaniers have gone to the MD/PhDs (I'm not one) at my institution so that may be something to think about.