Fellow Canadian, here. I feel your pain about the shipping/returns dilema.
I hope the swim binder works well for you. I haven't seen too many reviews on it, but the ones I saw, people seemed pretty happy with it.
Someone else on here, quite some time ago in another thread, had mentioned that wetsuits can do a good job at binding as well and suggested that there may be used options.
Just as a heads up to you just in case; when swimming and binding, make sure the binder can come off in a way other than pulling over. Trying to take a wet pull-over binder off is something to avoid *shudders* Or just wait until it's completely dry.
Oh, and not that you wouldn't anyway, but keep mindful of your body while binding and swimming. You'll find that swimming has a lot of ribcage movement. It shouldn't be an issue, just something to be aware of. If you need a break, you need a break. Don't be afraid to leave early if you need to. =)
By the way, kudos to you for taking the dive into learning to swim! (I had to

) Rowing also looks fantastic. I only got to use the rowing machine, but it became my favourite cardio machine the first time I used it (I did make sure to find out the basic form beforehand though). I'm sure that has nothing on the real thing. Looks like a lotta fun. I also like how it really works out everything while still being low to no impact. Tres cool.