[QUOTE=CdCf...I'll likely just use the regular rim brake 99% of the time, but when something happens, I believe it would feel pretty good to have...

Are disc brakes difficult to add yourself? I assume I'll need a new front wheel...[/QUOTE]


I predict once you try disc brakes, they will become your primary brake system and the rim brakes will become your backup.

To add discs, you'll need a disc compatible hub and proper lacing to the rim. If you buy a pre-made wheel, most disc wheel sets don't have the proper rim for rim brakes. Hopefully, your fork can accomodate disc brakes, if not, you'll need a compatible fork. And of course you'll need the brake set.

BTW - I've been riding road and mountain bikes for over 15 years and never snapped a cable. But, I also inspect and change cables every 2 years or so. So with proper maintenance, a snapped cable should be a rare occurence. Plus, you have the rear brakes as a backup.