Disc brakes seem to need more adjusting than rim brakes, at least in my experience, but adjusting them takes all of 10 to 15 seconds. I've done it at a red light before, and been on my way when it turned green. Don't let that put you off.
Unless you're planning to do a lot of rough riding - stairs, etc - I'd stay away from suspension forks. I had a bike with one, once, and thought it was very cool at first. But the lock out doesn't really lock the shocks out, it just puts them at a high tension. Flexing the springs takes a good deal of the energy you're trying to put into riding, especially when you try to sprint. And it makes sharp turns less smooth and predictable. But, there were a few sections of trail with tree roots pushing up through the pavement, one at the bottom of a hill, where the shocks were really nice to have.
I'd look into the particular fork for its weight limit.