There are fruits that are actually very high on the glycemic index. Such as Bananas, Raisins, Dates, etc. But here's a little secret, when you eat a meal containing foods high on the GI, and other foods high in Protein, they even each other out. The protein and fat in a meal will bring down the GI affect of the fruit, or whatever you're eating.
I would stay away from processed foods (starch) in the carb department. The time thing, eating most of your carbs in the morning and afternoon, is a good idea, unless your work outs are in the evenings, then you'll need to eat carbs after your workout. Doesn't matter what time of the day it is.
I would try to limit your carbs to about 50-60 % of your total intake, spreading them out evenly over how ever many meals you're eating in one day.