If you lived where it was warmer, I'd suggest a test ride with a garden hose wetting the rims or discs so you see the benefit. I'm minly a road rider, with some dirt and trail riding, so I prefer the simplicity of rim brakes. But there's no denying that discs are superior in wet or dirty conditions, and also spare you from worries abour rim abrasion and wear from dirt and sand embedded in brake shoes.

IMO- discs have benefits, but only you know if you're planning the type of riding where you'll realize the full benefits and can justify the cost difference.