Is there any reason why you have to spend all the insurance money immediately? Why not consider rebuilding the Allez first and hold off on buying a second bike for the time being?
Maybe a decent used carbon bike will come along on CL- or a leftover model at the LBS. There are times when having a very expensive bike as your only bike may not be practical. Especially since you've lost a bicycle to theft already.
Have you ridden the Soloist? I haven't but I have ridden the carbon fiber version of that bike, the S2, and wasn't terribly impressed with it. The box stock S2 was a tad heavy, less stiff than my Cervelo RS, and sitting atop the ultra-rigid aero seatpost was like riding a jack hammer!
I love the Specialized Tarmac and SRAM components plus I have a bunch of bikes that take up a ton of space but which I only ride occasionally. This would be a pretty easy choice for me: I'd buy the 2011 Tarmac. If you haven't use SRAM road components, make sure you take the bike for a lengthy test-ride. People who are used to the ultra-smooth shifting of Shimano components may or may not like the more mechanical nature of SRAM's shifting...
Lemond Chambery/Cannondale R-900/Trek 8000 MTB/Burley Duet tandem
After going through a couple of aluminum frames (breaking at 13,000 miles), I myself would give carbon a try. Can't be any worse than the results I get from the aluminum frames. But I look for a lifetime frame warranty cause if "my money breaks", they are replacing it not me.
I had an experience will AllState insurance a few years ago. I has a decade old MTB that got stolen (Campag components). After telling them the components list on the stolen bike they sent me a "credit" of $3000 to go buy any bike I wanted
At that time I really didnt know what I wanted and so got an all black Santa Cruz Blur 4x. A really high-end bike (for me) that I think Ive riden a total of 5 times since 2005.
But what could I do? They insisted on spending the $ on a bike only! Wish I had that dilemma today...
P.S. A month later some kids found my stolen bike and returned it to me. I called the insurance and they said to keep both unless they come by to claim the returned bike -t hey never did.
I wish my insurance story were quite that nice. Of course they hit me with a $2k deductible right off the bat. Then the agent tried to leave all the accessories (cages, bottle, lights etc) off the total. Then after professing that he was trying to get me as much as he could.... he then says that there is a 20% depreciation! After listening to me raise bloody hell over that one he changed it to 10%. Yeah Nationwide is on your side alright. After it was all said & done I got about 40% of the replacement value.
But what the hell it got me the S1 and an entry level tandem.
In a quick 3 mile test ride the S1 handles better than the Allez. It feels super light & responsive. I think I'm really gonna enjoy this bike. It'll be interesting once the Allez is built back up to be able to compare them head to head.
P.S. I'm secretly still hoping the police call and say they found the tarmac. Your story gives me hope.