I have some experience with Ti vs CF. First, many in my club have Ti bikes. The majority have CF, of course. When a CF crashes and the frame is involved it is pretty much finished...And from personal experience a CF doesn't need to crash to incur expensive repairs. The stems from the fact that is hard to determine the significance of the damage of CF through nondestructive testing. However, compared to Ti, CF is the least expensive entre to low weight road bikes.

I have seen several Ti crashes and heard of more. Often the components need replacing but never the frames. Ti frames seem to go on forever.

It seems that a Ti-framed bike will last a lifetime. Thus you should really know what you want before springing for such a large investment.

I personally own a Ti recumbent. Subjectively, it seems to have a compliant, buzz-absorbing ride compared to the Al version of the same bike and it is lighter than either the Al or Steel versions.

By asking here, you will get lots of good ideas, but in the end, real knowledge that guides you to the bike you want can only be gained through experience. I would suggest that you not go into the next bike thinking it will be the ultimate. Rather, think of it as an intermediate step which will give you the understanding to buy the next one which really could be ultimate bike for you.