Originally Posted by
Seattle Forrest
Carbon frames can be repaired, although I don't know if it's economical. Depending on how the bike got into need of repairs, it's also worth pointing out that if you buy new, you should have a pretty good crash-replacement policy.
i.e. they can't
really be repaired.

Sure it's possible, but it's not especially practical.
Warranties vary greatly by manufacturer. I can't recommend specifics to lean toward or steer clear of, but a) a new bike does
not mean you're
probably OK, you need to check specifics of the warranty; b) no one will warranty for tons of chips and dings from hard use (I think you appreciate that, SF).
It is indisputable that carbon is less durable than steel / titanium. However, it is very possible that, for many users, it is still plenty durable enough so that doesn't matter. With the OP talking about this being a grocery, school and/or messenger bike, I think it could be a factor to consider. Particularly the messengering.
Titanium or the two bike option seem to offer more piece of mind in the long haul than all-in on one CF bike that you have to think about coddling (perhaps more than you actually have to coddle it).