See, the thing is.......I've been eyeing up Surlys. So no, definitely not near $300. Can you really get a decent bike (new) for so little? Like I said, I'd rather buy used just to have fewer palpitations -- I don't like worrying about nice things -- but I can't find anything as small as I need. This bike will be used for both commuting and, hopefully, some pretty long distance bike touring, which is why I want steel and new steel=expensive as far as I can tell?
"Expensive" is relative, we don't know your finances, hard to give an opinion without being in your exact position, and even then it would vary based on goals and priorities.
The short answer is yes, you can get a decent bike for $300 or a little more. But you aren't wanting a "decent" bike (by my definition), you are wanting a nice steel bike, which is going to cost more. Nothing wrong with that, just a personal choice. But it is fair to point out for general information that a general commuting bike, even brand new, can be had pretty cheap for those with debt or on a tight budget.
But I find no problem in spending more on my bikes, and I have three... but I can easily afford them, they bring me exercise and joy, and no single (or even two) bikes could do what all three provide.
You could easily expand your search for a used bike, the advantage being a higher quality steel bike for the money you spend. If there are other cities or a bigger city within driving range, you could check used listings there. You can also look on ebay or other online places for used bikes. But without seeing them in person you could possibly be burned. But if you know the size and brand name, I would certainly look for something that might be out there. I purchased both of my "expensive" bikes used, and have been very happy with them. I paid about half the retail price for bikes just 2 years old, spending $1100 for my main mountain bike and $1000 for my Surly fat bike. But I spent some time looking and keeping my eyes out in order to do so.
If I were unable to find a used deal, I probably would have dropped down in quality in order to spend less on new bikes. I got these deals by purchasing in the off season, and purchasing new in the off season might also be a good option for you, but if you are ordering the bike special it might not matter at all when you purchase.
So depending on your finances I see nothing wrong with ordering a quality steel bike that fits you well, especially given your desire to tour. Just don't get into gear envy and talk yourself into something top of the line, you will likely refine your bike needs over time, the first bike you buy is seldom perfect. Just get something mid range that will provide what you need in a bike, and if you really find yourself touring a lot then you might upgrade to the perfect choice in a few years.