I have been partial to steel for a long time now. I have already destroyed a carbon fiber bike myself, it was not a fault of the bike (I crashed into a tree and shattered the top tube). I once tried to be a weight weenie and used to always try to build the lightest bikes possible. I have broken a carbon frame, a carbon seat post, and some carbon handle bars. I have snapped a light weight stem, and destroyed a fancy expensive lightweight racing fork. I have found the lightest components are just not made for me.
I don't ride very aggressively of-road anymore, but one thing I have learned is I don't need the lightest stuff and have become a huge fan of steel framed bikes. I love both there ride quality, and also there durability. When I need to save a pound, I can just drink one less beer. I learned my lessons the hard way, and about 20 years ago blew a lot of cash in the process. My last several bike purchases have been for much less then I used to sometimes spend on a single component.
Once I purchased my first steel framed bike in my adult years, it just felt right.
I treat my letour pretty badly. When ridding on the street I still hop curbs, and if I see a little dirt trail off the path its often the direction I go. I consider it a ugly bike do to its condition, but it works well and Its usually the one I grab now for a quick ride. I also now have a miyata that might replace it as my favorite go to ride but since I purchased it this winter I have not yet determined which one fits me best.
I personally would no longer want a bike that I feel I would have to be careful with. You would just miss out on so many great opportunity's to explore new areas when out on a ride.
To each there own, everyone has there own thing. My friend grew up on race bikes, his grandfather raced, his dad raced, and although he never got involved in it as much as his father. His dad had him racing as a child.
Honestly he may still be able to beat me, as he naturally has a racers body type, and I have a stockier build. But I will be able to cheat and take shortcuts though the grass
. There are some really well maintained winding paved bike paths in my area, and I already know all the little shortcuts. If you get out on them early enough you can beat the crowds and pretty much have them to yourself.