Sarah,
I do ride pavement regularly, despite being a mountain biker. This is the time of year when the mosquitoes get bad here. Late spring, and we're stuck with 'em until the first hard frost. Sometimes the bug spray doesn't bother them, and I get eaten alive, and show up at work on Mondays with huge welts from them. I've always had aluminum bikes. I've heard stories from people I ride with about carbon fiber, and I stayed away from them.