Lemans..
1- regarding the car: i dnt know know how it goes in montreal but in Toronto, car insurance is around 250-300$ per month when u just get a new car (new license and stuff) and it goes down with time till u pay 80-90$ and in case u have an accident it goes back up. so the 300$ is not a fixed thing.
2- where are you living in Montreal?, have you considered moving to Toronto? ( btw for how long have you lived in Texas?)
3- Dubai, Los angeles, beirut are a living Suburbia ... and for me thats the major problem for pple who are used to that and move to a city (downtown). you (in general) are used to cars (which is a luxury) and suddenly you find Yourself without it
4- you are in Montreal which is a great hipster city but at the same time "JERBENE" and not in a bad way but it is a very french city and totally diff. from other parts of Canada or North America. CANADA is huge country you can go whenever you like i mean you cannot judge a whole country by just a city.
5- Regarding retirement, i am sorry to tell you i dnt agree at all, my husband's grandma is like 100 years old and now living in a social housing for elderly she has her own apartment, her own income etc.. its not a lot and you cannot say well ohh i am not going to save any money now cse the govt will take care of evthg .. OF course not...but at least you will know that you will have the minimum to survive in a decent way and in case you saved than great you will enjoy extra vacations, shopping etc.. whatever you want. PLUS YOU WILL BE HAVING ALL THE PERKS OF A SENIOR.
6- Job wise: this is not exclusive to canada, but look regarding rights, compensation, improvement, competition, these points you can dream about it in Lebanon. I have no idea about Dubai, maybe you clarify this for me.
Again, think about it you have been here what 3 months? i ll say take some trips to other cities (cities not suburbs) Vancouver, Toronto, Calgary.. you have huge options here..