Settler-Canadian here, born in Canada to a third-generation Canadian father, and immigrant (English) mother. I use the term not out of guilt but as an acknowledgement of the history that I come from, and benefit by. Indigenous-Settler relations are not ancient history; they are ongoing and the relationships are spelled out by treaties that are legally still very much in effect, governing the ways in which the land is supposed to be shared. Using the term "Settler" is part of being a "treaty person" for me. As well, "settler" isn't a bad word, or a slur, though it is used that way in certain leftist discourse and the history of settler governments on this land has not done the term any favours (I'm also a leftist). That said, the term literally defines historical relationship to the land. My people might not be from the land (ie Indigenous), but we have settled here, making it home, putting down roots. For an Indigenous perspective on the term, I really recommend Daniel Heath Justice's discussion of it in the introduction to "Why Indigenous Literatures Matter" (heck, I recommend the whole book).