Tulip really said it all. If money is an issue I would consider getting a steel bike as well. I ride steel and love it. The new steel bikes are lighweight and responsive, just as light as carbon. I've had too many friends buy carbon frames which they crack within a year of two and need to replaced. If you have an accident, most likely you'll crack the frame.

Look at Lemond bikes - they make some beautiful steel models. Jamis as well. Pay very close attention to fit. You must be measured for each different bike as manufacturers measure their bikes differently. I ride anywhere from a 51cm to 56cm (I'm 5'8"). Amazing difference huh? Fit means not just stand over but reach and position.

Just my opinion unless you are very strong, young and plan on racing, go for the triple... you will thank me later.