If you don't have the cash to buy a bike then you seriously shouldn't be financing it. I think unless you are already wealthy, or on the pro circuit with a real shot at winning some prize money, then you should not be thinking about super expensive bikes. They are a serious waste of money with little practical value over a much cheaper bike. The truth is that above a comp level bike you are spending ALOT more money on components and technology that will give you less of a return on investment.
Spending an extra grand to go from a heavy triple to a light compact double rival or 105 is one thing, but dropping another $4k on top of that to make the bike slightly lighter still is not a good investment.. especially if you have to finance it.