In my view, not that important. Also, .com and .ca are not your only choices here.
I own a consulting company. I picked an obscure, Latin name for the company so that I could have a .com domain for it. Only to learn that my clients struggled to spell that name correctly. I then rebranded under a simpler name. The .com was, predictably, taken. I wound up getting a .net domain instead. As I do network consulting, that seemed appropriate anyway.
There is a preference for .com, and a lot of people are brainwashed to assume that .com confers some level of legitimacy. This has gotten worse with the proliferation of TLDs-for-profit in the modern era, which overwhelmingly contain spammy web sites. But I certainly wouldn’t value it at $20K.
6% is double what it actually costs you to provide the service. If you want to charge me 6% extra to pay for lawn service by credit card, I’m going to the competition.