If you want disc brakes, do not upgrade later, it is so much more expensive, trust me I looked into this. I had a Giant Rincon that I considered putting disc brakes on, it would have cost me about $330 to put on avid brakes(including new wheels) my bike was only worth $350!! It cost me less money out of my pocket to sell my Rincon (for $300) and by my current bike, an 04 Giant Iguana.