Ive seen a guy come into my LBS with a full carbon specialized s works hardtail frame, full carbon forks, the lightest wheelset you have ever seen, top range components, avid hydraulic discs.. etc. etc.
It was all in pieces, and he just wanted the bike shop to build it up for him, as hed bought all the parts seperatly from the internet.
He wasnt a mountain biker. He was hardly a cyclist. He put semi slick tyres on that bike, and then used it for commuting.
And I bet after a week he got bored and started taking the bus/car/train.
Moral of the story: dont get a nice bike for commuting. it will get nicked, and proper cyclists will think youre a tosser. Just go into LBS and buy a specialized globe or something.