The most important factors are tires and the geometry of the bike.
Most carbon fiber bikes have a race geometry, an aggressive position that makes the ride harsh and the handling "touchy" What do you want to do with the new bike? Also consider that a carbon fiber fork will limit the tire size options. Narrow tires require a higher psi to avoid pinch flats and don't absorb shock or bumps so that transmit to your hands, shoulders, and behind.
So again, spend some time deciding what type of riding you expect to do on a regular basis. I can ride day in, day out on my bike for extended miles very comfortably but I would never compete in a race.
I can't speak to a WSD, never owned one. I am 5'5" with longer legs than torso. My bike isn't a floor model, I bought a frame and added the components to work for me. With the budget you have and a good LBS you should be able to build a nice bike for you. Happy planning!