My experience with disc brakes is very limited as My first bike with disc brakes arrived Friday . A gravity deadeye monster fatbike. I took it out for it's first real ride yesterday . I left after a hard rain had just finished. I had run through a couple areas of standing water and headed down a hill . At the bottom the hill going close to 20mph there was a D.A. with a dog on an extendable leash
with all the water I got on the brakes hard, disc brakes combined with 4 in wide tires stop 310 lb hillbillies really well
I all most threw myself over the handle bars. By the way if you hit hickory nuts just right with those big tires you can shoot them at passing roadies
Roy