Can't decide.

Finally getting ready to replace my cross commuter that I destroyed in a crash over a year ago. I have everything except for a wheelset and a frame. The initial plan was to steal the wheels off of my wife's currently unused bike and just build up a canti frame with the awesome v-brakes I was using. But I'll eventually have to build a wheelset for it. The alternate plan would require me to get the disc frame, disc wheels (or build a set) as well as some mechanical disc brakes. So a much higher initial cost, but I have some stuff I could probably sell to make it all happen.

I think the main reason I'm divided is that the v-brake build will be very immediate and quick and enjoyable, while the disc build will require some more effort. But what would I be missing out on if I didn't get disc brakes? This will probably be my last bike purchase for a few years at minimum.

Primary use will be commuting, but I also plan to do some gravel riding and general endurance rides with some touring and camping thrown in.

I'm really, really torn on this one.