Good info guys. Campy isn't in the running neither is custom because then I still need a full groups. I suppose I could just buy a new frame and keep my existing Microsoft 9speed with ultegra crank fd and rd but that is no fun. I'm not sure that I want to put a compact crank on my commuter because it may see some loaded touring use but at the same time, I could use most of the parts off the current roadie for a commuter/touring build.
I shouldn't get my hopes up. If my insurance company screws me ill be getting nothing and get screwed having to spend another grand setting up a new commuter bike.