Upgrade to carbon no. You aren't saying how expensive of a bike you are buying. Maybe upgrading wheels on a $700 - $800 bike yes. The other part I picked up was you said you were kind of new back to cycling again. Why not just buy the bike that works for you ride the bike like crazy and then when or if the wheels fail do the upgrade then. If you just want the bling of new wheels somebody advised me recently then just go for it.

Zman