I'm in the market for a winter ride and have recognized the importance of some components like treaded or studded tires. I also will make sure fenders are installed. Where I need help is learning about the actual performance of at least two more: internal gear hubs and disc brakes.

In theory, I appreciate how a hub like the Shimano Nexus with eight gears is enclosed, thus protected from the elements. However, few winter riders actually seem to have this on their snow bike. The same with disc brakes. So, I think it would be benificial to hear from others who have these components installed or at least have some experience worth sharing.

Thanks!