Can anyone recommend a half decent wheel set that won't break the bank?
Yes. The set you already have!
I'd urge you to slow down. Learn.
Then, when the time comes you can upgrade your wheels based on what you want, rather than what won't break the bank. I know someone who'd say that it's easy to go broke saving money. Spend the money once, but wisely.
For instance, some people want to run tubeless tyres. They'll need compatible rims. Some of us want a dynohub for lights on foreign roads and recharging capabilities. That'll require a rebuild, at least.
You mention another "touring bike" too? Would it be useful to have the ability to interchange wheels?
There doesn't appear to be an immediate need? Elsewhere, you're planning a 350km river ride in NL & Germany. Personally, I'd see no need to be changing wheelsets now. In fact, I'd be looking at my wheels and seeing the perfect opportunity to get stuck in and see how the things work! Much easier done, psychologically speaking, on an "older" set than a brand spanking new one. There'll be tools required. They'll cost money, too. Wonderfully satisfying, though, to be able to take things apart and put back together again. Better to understand the workings than buy a solution.
It was a huge surprise to me to learn that wheels aren't really wheels but a combination of rim, hub and spokes (and those spokes can be in a variety of different patterns). It took me ages to grasp the difference between a freewheel and a cassette and I'm still not sure of the terminology in different languages.
I toured very heavily on stock wheels, did my research then bought the expedition standard wheels for my needs. I ran the stock wheels except when I was off on an adventure.
If money is burning a hole in your pocket and you're anxious about an upcoming European tour my suggestion is to spend some of that money on an experience. Pack up your bikes, choose a nice route, cycle to a nice pub/B&B, have a pleasant night with your wife and cycle home a different way. What you'll learn will be worth more than changing out the wheelset you've described.