As a fellow roadie Phard...one the things I have learned here is having a full carbon frame isn't as high a priority because tires eclipse frame material in ride quality in particular. If running 23's then CF really comes into play when it comes to ride but with wider tires and lower pressures, today's Al Cx and Mt bike frames have excellent road isolation. If I were you however since the jacka$$ that hit you is buying, I would go with full CF and as high a end a bike as your entitement would permit. I also understand how you now feel about riding in traffic out on the roads. I generally do not because I want to avoid what happened to you. For the money, the Aluminum Specialized Tricross with CF fork and rear seat stays is a whale of a bike...available in a compact. Their more upscale Sworks full CF Cx frameset is sweet for even more cash and should at least be on your list.
Mend up fast...