I've had 2 carbon bikes in the past 5 years. I don't baby my bike at all and ride mostly rolling and hilly terrain. I've had 2 medium type crashes (one with each bike) and nothing catastrophic happened that couldn't be fixed with a multi tool or new bar tape. Now, granted, I wasn't hit by a car, but my Kuota is so light I wouldn't trade it for anything. I have nothing against steel bikes. In fact, I'll probably get a steel touring type bike in the future. But it sounds like you are looking for something different than what you have, so go for it!