I've been building a bike each of the last 4 winters as sort of my off season project. Not much winter riding done around here in Northern Minnesota. Anyway, last winter I picked up a new Cannondale Ironman 800 frame off of ebay and built it up with 9sp. Dura Ace. I too agree spending your money on a great frame and worry about the high end components later. Do your homework and make sure the frame is the right fit for your ridding style. It will take you a half a season of riding before you have the bike set up to fit your ridding style anyways and with ebay being a great place to pick up and get rid of bike components you can do some experimenting.