Thanks for the input, jiffer!

I did end up going to a bike shop today to look for lightly-used and/or older model road bikes. They didn't have much in my size, but there was a 2009 Kona Lisa RD that looked interesting. $900 for full ultegra! The frame material was similar to my current bike (aluminum with a carbon fork). Wheels looked a little nicer. AND, from the 5 seconds on the bike, the fit seemed about 10000x better. I've already shelled out about $300 for 2 bike fits now and this one felt better right off the bat

I figure with my current bike, I'll probably be spending $200 for ultegra components, $250 for new wheels, $100 for a shorter stem. So, I'd be investing about $550 into my current bike, if I wanted to bring it up to the level of the $900 bike I saw today. So, $450 difference right there, and if I am able to part with my current bike, they'll take it as a trade-in... Seems like it might be worth a few hundred to have a bike that fit me really well.

I just don't know if I want to stick with my current bike, go up a step, or go all the way to a full-carbon (or titanium, if I'm really dreaming) bike.

I think full-carbon is probably still too expensive for my 20 year-old budget right now. I already know that I want to focus on track cycling, so I would prefer to spend my money there. But, I still do enjoy the road races, and would like to have a bike that is "good enough" to where I could be competitive.

I also need to look up the geometry of the Kona bike I saw today. The one I tested was a 46cm and my current bike is a 49.5cm. I know they're measured differently, but I expected to be looking at 50cm or 51cm, since my main concern is outgrowing another frame!

Sorry for all of my rambling -- just trying to make the best decision here...