Do you have money put aside for the extras? (Pump, shoes, saddle bag, tools, spares, helmet, gloves, shorts, shirt, cold weather clothing, etc) or is the $3000 part of that? Also is that 3000 dollars or Euros? Not clear to me reading the post.

I will say that 105 is a solid group and you need not stress yourself over on brand versus another. Get what feels comfortable when you ride it and what you think looks good too.

Also why two bikes? One for a partner? or a MTB and road dual bike set up?