I'll second most of that, however I don't find Toronto to be that "Urban". It reminds me a lot of just-about-any-American-city: Busy downtown during the day, rather quiet (read: boring) at night. I find Montreal's nightlife much better than TO's.
JP
PS: I'm not trying to get into a pi$$ing contest about which is better, I promise!
Toronto is usually well-liked by visitors who are looking for a comfortable experience and lots of diverse opportunities for things to do. If you want the French stuff, then Quebec is more interesting than Montreal. If you want an urban experience, Toronto is better than Montreal. Ottawa is very dull but it has museums and a nice river.