Disc's a hassle to maintain?

I used to have to install new pads once a month in the winter, less in summer.
I used to have to re-adjust brakes once a week in winter, less in summer.

I have barely looked at my brakes since converting to disc in close to a year except once every few weeks turning a large red dial one click. Thats as close to zero maintanence as i can get. Heck i can adjust them while waiting at a traffic light without getting off my bike.

Then again I commute year round in Vancouver, and live on the side of a mountain. Lots of hill, lots of rain. For me they are probably the single biggest noticable improvement alteration I did to my bike. If your in Arizona where its both flat and dry, I highly doubt you would notice any improvement.

For me, going downhill at 60 kph at 6:30 in the morning in the pouring rain in heavy traffic surrounded by lousy drivers, it was an easy decision that i have no regrets over. ymmv