Like I said, I already have the frame picked out, so it's not a matter of finding a different disc frame. Thru axle is what it comes with.

Also, the hub I have now is not a disc hub. So again, not really making a difference.

When I bought my previous cross bike, I was convinced that I didn't want disc. I think it was the overall aesthetics of the bike and what I did with it. Discs would have looked out of place on that build. In reality, the rim brakes were fine, but this bike will see wet weather...

I keep trying to tell myself I can use my rechargeable lights, but once you've ridden proper dynamo lights, you know that's not true. And with that as a requirement, it's really pushing the budget.