I worry about this a lot with my carbon frame. It fell into a wall about a month after I had it, but luckily the paint was just scratched. Plus with all the travelling I do with it - I worry every time when I unpack it that it will be smashed to bits. But I came to the same conclusion as you - I can afford a new frame if it breaks because the parts will still be good. But I really like my frame (the colors are why I got it) and I don't know if it's replaceable.