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Bikes lose resale value rapidly, so if you look around you should be able to get a good quality used one within your price range. You're in a bicyclists paradise in S.D. Many folks get new bikes every few years, just because they feel like it. The old ones sell for half or less of retail, and are usually just as good as a new one. This is a good time to look, as people will be getting new bikes for spring.
If I were buying used (and I have on several occasions) I would stick with steel/aluminum/titanium. I just don't trust carbon enough to buy it used from someone else.
Two places on the web that might be good for looking are the classified section on the serotta website (it's under the heading message board at serotta.com), and roadbikereview.com . You will also learn a lot about cycling just by browsing those boards.
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