My commute involves going over pavement, dirt, slush, poodles of water, mud etc. etc. I started looking for a hybrid bike with tires wider than the 23c's on my trek 1.5. My choice for a replacement bike was trek 7.4 fx disc. However just before buying 7.4 I test rode the diamondback insight 1 & 2 - the diamondback frame was a much better fit than the trek. I chose insight 1 as it had a much smoother ride with an alloy fork compared to insight 2 which had an aluminum fork. Unlike the trek the insight does not have disc brakes. On the suggestion of my LBS I replaced the brake pads on insight with heavy duty koolstop brake pads.

I ended up buying a much cheaper bike than I intended - it fits me like a glove and the koolstop brake pads have tremendous stopping power.

Some of my friends think I made a mistake by not opting for a trek and disc brakes. What do you guys think ?