When I started reading your review I thought "that could be me!". I bought my bike a year ago and have put 2400 miles on it. I wanted a mtb type bike with flat bars and disks. Luckily, I got a Scott Sub10: comfortable seat, disk brakes that are tucked in so they don't interfere with fenders or racks, mounting points for fenders and racks, no wheel issues (180 lbs). I love the disk brakes and would not change them. I didn't shop around much so I just got lucky selecting the Sub10. If the bike is designed right there is no downside to disks.