For the disk version to be worth my while, I'd have to routinely do lots of rides in the rain on dirt or gravel roads (so that the grit would not be a problem wearing down rims). Alternatively, I'd have to lots of descending on long, twisty, 10% grades, so I wouldn't have to worry about brake fading. I say lots of those, because on occasional rides I can stop and let the brakes cool, or wipe off the rims and pads.

Your bike, your choice.