The people I know and ride with, either have titanium bikes, aluminum or steel. These are the people I trust, people who've helped me choose a steel bike. I wanted Ti, but as a new rider, couldn't justify the expense not knowing if road biking would end as a short term fascination. Fast forward to present day, I'm convinced that road biking is here for the duration, now I just want to get stronger, ride farther and faster. But on what?

Thought that would be titanium, but after reading the thoughtful replies, I'll need to seriously consider carbon fiber. I still don't know anyone who owns or rides carbon fiber, but my circle of cycling friends is pretty small. I've enjoyed all the input, thanks again!!