I have had carbon fibre (CF) framed bikes since 2014 (YT Capra, Whyte T130, Focus Jam2, Merida eOne Sxty, Santa Cruz Vala). I would have zero concerns with buying another CF bike.
I first went to CF when I was riding mtbs and was chasing weight reduction (and my income was a bit higher). By the time I got to emtb, CF seemd like a no brainer to me, I have had zero problems with CF frames (nor other CF components either). I have had the odd paint chip (what bike doesn't) in places where I failed to put helicopter tape, but no penetrating impacts, no cracks radiating, none of the usual horror stories that you can scare yourself with.
In 2010 I bought a Kona Dawg Supreme. It had a scandium dosed aluminium alloy frame that was supposed to be as strong and nearly as light as CF, but the paint chipped mercilessly. Too late, I discovered the use of helicopter tape to protect the frame. I have been using it ever since. I even got into the habit of appyling a double layer on the underside of the down tube. Belt & braces, I know.
But of course you can now get bikes frame wrapped. They sure look better finished off than the ones I hand applied helicopter tape to, but I am not convinced that the framewrap is better from a protection viewpoint. But I do concede that it may be as good. My latest bike came already fitted with framewrap and I'll see how I get on. But I may still apply an extra layer of helicopter tape on the underside of the downtube. It's a hard habit to break.
PS: Even if I had an alloy frame bike, I would still apply the helicopter tape, or the frame wrap, whatever. I see the tape and/or framewrap as surface finish protection not protection from major impact. If I wanted that, then even with an alloy frame, I would be adding downtube protection of a serious nature. Products from Rockguard for example, or go DIY and simply zip-tie cut down tyres to the frame. Tyres without the beads are extremely flexible. They can easily be cut with a decent pair of scissors or a craft knife. They look cool.
