Hi, Welcome to BF !
Since you haven't given personal qualifiers, here's my general opinion (as with ALL comments, which are Opinions).
Opinion for Road Bikes...
Dependz...
If I was buying a New Road Bike, there's really not much choice. You'd have a very hard time finding any New decent road bike not setup for Disk - not considering a 'custom' frame....
If I was in a region, where rain/slush/snow riding was compulsory to get some regular riding time - Disk would be a preference. Not just for braking, but on CF rims there is an advantage to braking performance with disk. If on Alloy, rain/road crud with rim brake has always been an issue. A real thorn in the side.
If you don't ride in the rain, then I don't feel a Disk brake has much, if any advantage.
Many seem to really love the braking with Disk. This, I think is 'adaptation'.... Personally, I find Disk to be less 'linear' in braking. Developing a good in-grained modulation technique for the Disk brakes I've ridden or have, is difficult. I always do 'Braking Practice'... It's something I've carried over from lots of Motorcycle riding... We all can develop non-emergency braking control fairly easily. But put into an emergency braking situation and everything go to hell. It's not just about the mechanics of the brake, but also about the the traction between your wheel/tire and the road surface. Having experienced both Highside and Lowside on a motorcycle, neither has a good end result.
I;ve yet to have had need for hard emergency braking on a disk brake road bike... Even though I practice hard braking on my Disk brake roadie, I'm a bit uncertain how well I'd do in a real braking emergency. And straight road braking is difficult enough, braking while cornering adds a very Large complexity to that.
Rim Brake pads come in a number of different compositions/hardness/density and experimenting is relatively inexpensive.
I'm 146 lbs, if I was 190+ lbs, I might have some small difference in my considerations, but not that significant. If I was 225 lbs+, considerations would prolly be different.
I still run 700 x 25 tires on my Roadies, mostly at 74 psi front and 78 psi rear. Back when I rode sewups, I did run at 95 & 100 psi when racing... But find no need for that in any situation now.
I could run up to a 28mm tire in any of my Rim Brake roadies, and many newer disk brake roadies are set to that limit (some might be able to squeeze 30mm, and some might take quite wider also).
My 12 yr old Tarmac is Rim Brake and with both my High End Alloy and Carbon Fiber wheelsets is by far my fastest bike (all are very comfortable). My 2023 Tarmac Disk is quite nice, rides great and is my daily ride, because I 'Baby' my 2012 Rim Tarmac... LOL!
A Reminder....
The Front Brake does all the 'heavy lifting', when it comes to Braking hard. The rear brake is mostly inconsequential to heavy braking, and without good hard braking skills, a rear brake could actually initiate problem in safe braking...
I would ride in the rain - I do ride in slight drizzle, very light rain, wet roads often here. because a heavy fog or Marine cloud layer often makes mornings and even all day wetness here along the California Central Coast (and extends up to the Northwest).
Buying a Bike? New or Used? What kind of brakes is always a consideration. How important is an individual concern....
Ride On
Yuri