Some good choices there. If my biasm allows then the XT or the Norco
But, drop your bike budget to 20k, and use 5k for a decent helmet, bibs,kit, shoes etc.
Remember, any new baaaik will cost you more than the price tag shows as the retailer (yes, even the LBS) will come along with the usual Oh, you need tubless tyres... here... kaaaching. Oh, now you want to add tyre sludge, here.... kaaaching. Oh, you need to pay for tyre tape, here.... kaaching. And so the list goes on. Your now 20k budget gets taken down to 15k plus upgrades and tools.
My point is, you can haggle the retailer for these items to be thrown in instead of a discount. Or, check that it actaully has these prior to the purchase. Dont let them fool you into being a total newbie that has no idea and an endless credit card - unless of course, you do have an open card then the above is irrelevant.
As for a carbon, you'd find a 2nder in that range for sure. Look around on the hub clasifieds and ask on the bring back the comments on classifieds thread and the guru's will help you out for pointers to a good or snakey deal.