Two weekends ago my Caloi Racing Stead, which is less than two years old, cracked at the bottom bracket weld traveling to the large down tube. I found one week later when I went to double check that my bottom bracket was tight enough - I did remember from the time before that my crank felt loose. When I saw a shiny line at the crank I found out that my crank was not loose because of loose bolts by because it was torquing due to the crack. I had about one half inch left on one side of the down tube holding it together. There was another crack forming on the lower part of the down tube. These I found the next day when I saw that the crack went all the way around. It was a gift from God that I did not injure myself and end up in the hospital.
The good news is that a friend of mine had a older titanium frame which he was fixin' to put up on ebay, but let me borrow with intent to purchase using a payment plan. Today I rode 35 miles at 17.5 MPH and still felt like I could do more!