Not OP, but I know why carbon hurts (and why it's useful!):
Carbon is stiffer than steel. That does a lot of stuff, but two things primarily - one good, one bad.
Good: the force you put into the pedals bends a steel frame more than it does a carbon frame. Every bit of force used to bend the frame is force that doesn't get used to push you forwards, so a stiff carbon frame is a lot faster than a bendy steel one.
Bad: the force from the road works the same way as the force from your pedals: it also gets reduced with a bendier frame, and a stiff frame will take every bump and crack in the tarmac and put that force right into your taint.

