I'm rather heavy (less so now) usually ride with a 20lb pack. There are a lot of hills where I ride.

If I paid the price to climb the hill, well I really want to enjoy the descent. But that means I need competent brakes to stop if something happens.

Cantis on my Fuji tourer would do it. Not even with Koolstops. Frame was bowing fork and seat stays...

Discs on my DT, every time... ~5300 on it, same pads...