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It depends. Do you think you may have a need for the stock groupset down the road? Maybe for a commuter, a rain bike or one for the wife/GF? If not, sell the bike as a whole and take that $400 you were gonna spend on the 105 group, add the $700 from your current bike and look on ebay. For $1000-$1200, you should be able to find a pretty good used carbon bike with 105 or Ultegra on it.
 

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I do a lot of buying and selling on ebay, and one of the better bikes for the money is the Cannondale 6-13. It's a carbon/aluminum hybrid frame, and and a darn good one. But becuase it's not all carbon, it doesn't bring top dollar as a full carbon bike would. But it rides and handles as well as almost anything out there. But there are lots of good bike available on ebay, most major brands are competetive with all the other bikes on the market. Just make sure you get the correct size-that's the most important part. There are also lots of 3-5 year old bikes that were purchased on a whim, ridden a half a dozen times, then hung up in the garage. Those are the best ones to get, though a bike with several thousand miles is still a good bet if it was well cared for and never crashed.
 
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