I'm building up a new commuter/touring bike. I do tons of commuting around NYC and ride through the winter and hate having to constantly worrying about if my blinky lights are charged. Also, being a heavier rider, I can't afford to be riding in the dark and hitting a pothole I don't see, i could get away with that as a kid but not as a 240lb adult.
I'm looking for advice on dynamo hubs and specifcally how worried I need to be about them in bad weather. What are the pro's and cons of cheap dynamo's vs expensive ones. Ideally i'd like to keep it lower cost because it will be on a NYC commuter bike that gets locked up outside a lot so the last thing I want is bling factor. Also, I'm probably going to want disc brakes on it. Lastly, recommendations on lights would be great. Idon't konw much about dynamos at all. since I'll be locking my bike up, I'll need a light that can easily be taken on and off. I'll also probably want to be able to charge devices like a cell phone with it, should I get into touring. Thanks!