I would have no problem going $500 each for frame, group, wheels and misc.

Maybe Surly crosscheck with used 105, $500 wheels and a nice cockpit.
Give or take some.

I try have everything match value/quality wise; best bang for the buck that sort of thing.

Or I would budget for a nice $1000+ frame, build it up, and upgrade slowly.
Don't skimp on the frame. That's where it all starts.