Mainly for the increased stopping power. Stopping for a surprise Red light while loaded makes me a little nervous, especially on some of the steep hills we have. The few times it does rain or snow, the discs will be very nice. Kind of the same idea as studs, the reason I'm getting them is the 10% of the time I need them not the 90% of the time that they're overkill.

I'm trying to figure out a bike that'll work all year round, no excuses/exceptions.