Myself, I'd spend $2,000 and spend the other $1000 on my wife. That's only if my bikes were broken and I needed another. MY current bikes were less than $2000 and they are more than fine for my style.

Anything over $2,000 would be too much bike for my abilities. Honeslty, after sitting on a $2000 bike for a hundred miles wouldn't feel much different than sitting on a $3000 bike for a hundred miles after I add my favorite seat and build my favorite wheels for the bike.