Another suggestion for chip-seal (we have a bit of it out this way too) is wider tires. 25c and up are going to absorb more road chatter than the typical 23c. If I were in your position I'd get a full-carbon frame, carbon seatpost, saddle with ti rails, GOOD padded gloves, and run 25c tires.
Good luck and keep us posted!
Emily
2011 Jamis Dakar XC "Toto" - Selle Italia Ldy Gel Flow
2007 Trek Pilot 5.0 WSD "Gloria" - Selle Italia Diva Gel Flow
2004 Bike Friday Petite Pocket Crusoe - Selle Italia Diva Gel Flow