Go ahead! The problems are (1) racks are difficult to mount around the disks; (2) they're quite a bit more expensive; and (3) they can be difficult to service, or have serviced, off the beaten path (and what you'd call "adjustment" for conventional brakes is often "service" for disk brakes). But they do stop you in a shorter distance. If conventional brakes are making you anxious and keeping you from commuting or touring, disk brakes may be worth it all to you.
Last edited by Takara; 09-28-07 at 08:44 PM.