Like my roller brakes for 4 season commuting but like disk brakes more. The latest model of my bicycle (torker graduate) now comes with disk brakes and if I ever have to build up or buy another townie it will have BB7s.

I have BB5s on a low end fat bike, I can live with those on simple single track and they are fine for around town. Rails to trails tourer has BB7s, love them, cant imagine going back to cantis on a tourer.

My father has some costco mountain bike with low end tektros, they are okay if you spend the time to get them adjusted and can find straight rotors.

Advice, get the one with disks and start putting a little back for the upgrade later.

cheers,