I doubt you will shatter a frame if it’s dropped on a hard surface ?
Repetitive abuse will no doubt cause some damage, in my limited exposure to carbon it suffers more from lacerations, like a side plate sized slab flicking up and damaged the down tube, B/B area or the knuckle mount that attaches to a rear link underneath the B/B area like on a Nomad for instance.
I’ve never ridden a rigid carbon bike but assume characteristics are similar to a FS bike, they are less buzzy whilst still offering some flex and feel different to the same alu version of same design.
To get it right I think you would have to spend a significant amount on the frame and as has been said at a cost else where ?
Wheels ? Finishing kit.
If it were me which it isn’t I’d buy a nice Steel frame and enjoy the strength and movement in a proper steel frame, unles weight is an issue, then go Carbon.