I'm too cheap for disc brakes and I don't think I'll need them. I'm about a milkshake shy of 200 lbs, so I'm thinking standard brakes can still get me stopped. BBattle, my wife is from Huntsville (Monte Sano), I live in Tuscaloosa. Beautiful place up there, a little cooler than Ttown. I do take walks in sub-freezing weather. When I finally land a bike I'll try to ride no matter how cold it is, I did it when I was a kid and I'm not dead yet. I've got lots of warm clothes. I might get fenders on whatever I buy. I'm trying to leave room in my budget for such extras so I can also ride when it's wet. It rains a lot in west Alabama. Something that just occured to me is I'll probably add so much stuff I'll wind up with a heavy bike regardless.