I think I am going to get the Felt Z85. I can afford to spend around $1200 instead of spending $2500 now, and feel really good about this bike, possibly 90% of what I can do on a full carbon, and it does come with 105 grouppo. I can get this and start riding more, then at some point in future if needed get a carbon. I feel going all carbon and spending $2500 now is an overkill, besides I can spend around $1000 to $1200 without too much guilt.