Which Ribble?

Hi, I'm on the brink of buying my first road bike after my hybrid got stolen last week. I've done quite a lot of research and think I'm going to mail order from Ribble. They seem to offer the best value and I'm prepared to chance my arm with their patchy customer service. I just wanted some advice on what frame type to go for? I will mainly be using the bike for my daily 16 mile commute into London but also plan to start doing some distance riding with pals and possibly a London to Paris in the summer. Carbon seems to be more race orientated so I'm not sure it's worth spending the extra money and I'm also worried about the durability of the material on a bike used every day. An aluminium frame seems to be a fairly sensible option for an all round bike so I was going to buy one of their 7005 models, however I then saw their Reynolds 525 steel framed bike and my head was turned by the fact that mud guards are included, which is great for commuting and I could add panniers on a tour, just concerned it might be a bit heavy. I probably need more than 1 bike but I don't have huge amounts of storage so I need to try and cover as many bases as I can with this purchase. Any help with this decision from some experienced heads would be much appreciated?
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However, it doesn't fit traditional mudguards (only Crud Road Racers which some people don't get on with though they are fine for me) and I tend to use an old steel tourer in the dark months of winter, not for reasons of durability but simply because it's componentry is vastly cheaper than the Ribble and I reckon a good 90% of the wear and tear occurs around this time of year.
Personally, I'd spend a bit more than the Ribble steel frame and get a Bob Jackson frame. The standard ones cost a bit over £400 and are handmade in Leeds. They'll be lighter than the Ribble too. Main downside is that the wait tends to be a bit longer but you have far more choice over spec details.
I'm also just mulling over which commuter to go for, to replace my current hybrid. Everyone who has the 7005 raves about it totally. Speaking to the Ribble guys, they say the 525 Reynolds is 'very nice', whatever that means. it's a tough call.
They also have the Sportive 365 whcih is a carbon bike, with mudguards, and looks tasty. Thing is, I don't want to go for that because it'll get nicked from outside my office in a flash.
BigLights - do you commute on your Gran Fondo? What wheels did you plump for?
Did anyone on this thread buy the Ribble Reynolds 525 Steel bike?