Generally when aluminum or steel has a problem you may see a dent, crack, paint cracking etc... Although a frame breaking at the weld is another story in itself. As for answering your question, I have worked in shops for many years and have seen many frames crack... but not more than with carbon. You mention situations on the racing front, and as you know, many maunfacturers even exclude their warranty for racing. I don't agree with that, but it isn't my call. However most reputable companies will help a consumer in those situations, and again, it's their call.
As for seat tubes cracking etc... perhaps that's a wake up call for shops/home mechanics to make sure they use torque wrenches.
And to answer your question about taking off the fork?? If I owned a carbon bike, I would definitely inspect it OFTEN! there is NO doubt in my mind about that. Then again, I encourage all of my customers to inspect their bikes often regardless of frame material and have for many years.
No one here is bad mouthing carbon, simply stating facts. The whole point to this conversation was to make light of it and how it is handled by various companies and to caution people to take care of your bike. At some point, when another frame material is being used in the future... we will have this conversation again. We certainly have had it in the past with aluminim and steel.



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