Having considered buying a Trek 1.2 (as I think this has fittings for mudguards), I’ve just bought a very slightly marked new Bianchi C2C with Shimano 105/Ultegra rear mech for around £500 so might be worth shopping around for a slightly older model. IMHO, it’s a nice fast bike but also find it’s very comfortable. Bikeradar has various forums relating to road bikes so might be worth asking on there.
As for the lycra, having been riding my Bianchi in 3/4 length baggies I’m becoming conscious of wind resistance so may take the plunge and go for the lycra!