Also being in Canada, I have the same problem

However, I've found that using ferrous-coin, I can usually identify modern Canadian coins even while discriminating out all FE targets above 21 or so (basically, bottom third or so of the screen is discriminated out). This is what I've noticed:
1) Steel coins usually will produce a target in the 12 FE range, with CO ranging widely from 05 to 20 or so. If you use target trace, the coin will often produce a "smear" over that CO range.
2) Non-steel "clad" coins (e.g. quarters and dimes minted from 1969 to 1999, or loonies and toonies minted before 2012) usually produce a fairly good CO reading in the 30s. FE again will be around 11 or 12.
A target in the 12.40 range is often an iron false if there is a second target at bottom right (35.50 or close to that). One of the members here has a good video on how the CTX reacts when going over a good target near iron: <https://www.youtube.com/watch?v=khtK5wYlGmA>. Usually, the presence of nearby iron drags down the CO reading of the good target to below 40.
I should note that if you are discriminating out high FE signals, sometimes there will be no audio when going over a steel coin. You need to keep an eye on the display to look for the good visual target, which is good practice, anyway.
Also, regarding pinpointing: steel coins will generally not give the strongest pinpoint signal when the middle of the coil is right over them. Instead, they seem to give a strong response at the edges of the coil, similar to a coin that's on edge. So, if a target gives a better pinpoint response at the East and West edges of the coil rather than the center, I usually pinpoint by moving the edge of the coil away from the target until the audio response starts to drop. The target should then be just beside the edge of the coil.
Hope this helps!
-Ken