I rarely buy stuff on steam but i spend like crazy on legit key sites like fanatical, gmg, and humble. It's taken me more than 6 months to use a $50 steam gift card and i still have $12 left.
I got Control in the Humble Heroines bundle last year for 15 bucks with 8 other games.
Looking at a price history site it goes on sale on steam pretty regularly for 9.99.
I follow wario64 on twitter. I wouldn't even know about these key sites otherwise and my steam library would be wayyyyy smaller.
eshop is the same way. I just wait for stuff to be on sale. I want the space invaders collection that's 59.99 right now but it'll go 16 again soon. Same with ace attorney trilogy and atari something or another collection. (Not atari 50)
I don't know what I'm trying to say really... gotta be patient and wait for stuff to be on sale or you'll pay a lot more, i guess
As far as being in Canada, I can't help you with that