Just to help simplify the wheels I have tested.
Category 1. Sub $900-2000 range the Rolf clinchers and Fulcrum Zero are the winners in this category the wheels in this price range are usually clinchers and can take abuse of commuting, trainning and racing. For tubular wheels in this price range you can have custom built Zipp wheels for about 1700.00 or any other carbon tubular rims custom built but these will be race day only wheels. Other popular wheels in the sub 1000 dollar range are the campy Euro, Mavic Ksyriums, Bontrager series but these don't have the same aero effectiveness as well as weight as the Fulcrums and Rolfs. The clincher wheels in this category are the most durable with the weights averaging between 1400-1600gms. Anything over 1600 gms is to much for climbing and fast accelerations. Anything lower than 1000gms seems like you have to work harder to keep the momemtum going similar to loosing the fly wheel effect on flats or downhills. Sub 1000gms is great for climbing or closing gaps. I base my picks on durability, aero effectiveness, weight, free wheel action, spoke wind up and power transfer properties. I test all my wheels on my computrainer as a guide and SRM on the road.
Category 2. $2000-3000 range you are getting race day wheels only that are usually tubular wheels I would say Campy Bora Ultra, Fulcrum Race and Mavic CCU. Again other than to look pimp at the next Century ride or club ride, this category is for serious racing, for the money you spend you don't want to ride these in the local crit every week unless you have lots of money to burn.
Category 3. Beyond 3000 dollars again you are getting race day only wheels that are tubulars only Lightweight Gen 3 or the Obmeyer wheels. Wheels in the 3000 dollars and beyond range are for serious racers only that specialize in climbing and time trials not worth spending this kind of money unless you race every weekened or being paid to race. Professional riders like Jan Ulrich and Lance paid for these wheels to help them earn a living. Using these types of wheels for weekend rides is a waste of money unless you have lots of it and don't care.
I have not seen any carbon rim tubulars that can take the stress of commuting, trainning and racing. There four carbon clinchers that can take the abuse of daily rides and racing and thats Bontrager triple X and Aeolus 5.0C, Zipp clincher custom build and Reynolds DV46 C but their added weight and aerodynamics are not any better than the performance of Fulcrums and Rolfs so you spend extra money for more material you don't need.
The most practical wheelsets are still the wheels in the category 1. They are the work horses and cost factor is excellent. Peformance of the category 1 wheels can match the performance of the category 3 wheels depending on purpose and terrain. Hey if you have the dollars and want category 3 wheels get them just for the heck of it who cares. The average joe that does not race but wants good wheels should save money and get the category 1 wheels.
Custom built wheels can be bought here:
http://www.prowheelbuilder.com/zippsemicustom.php
As far as tubulars vs clinchers I am not touching that subject with a ten foot pole. I use clinchers because for me commuting, trainning and racing needs to be all in one solution, so clinchers fullfill that role. Some swear tubulars are the best but it doesnt work for me anymore and I rode exclusively tubulars for 10 years.
As far as ceramic bearings go, I finally have found the ones that work for me and thats the Enduro Zero ceramic bearings, these things roll like no other.
www.superflycycles.com sells them as individual pieces or as a kit. I bought the Enduro bearing press tool and was able to install ceramic bearings on all of my favorite wheels myself.
Nothing I have written here is written in the cycling bible these are just my opinions. I own wheels in all three categories but when it comes down to riding daily, I use the wheels in category 1 and race the wheels in category 1.