I'm thinking about going with disc brakes on this bike. I see there are two kinds; mechanical and hydraulic. I get it that the hydraulics came pretty much directly from the automotive/motorcycle world. The mechanical variety does away with the hydraulic fluid.

Which do people think are better?

Are disc brakes on a touring/commuting bike overkill? The reason I am even considering disc brakes is because when my wheels are wet, the V-brakes take a lot longer to stop the bike. Sometimes this is a *very* bad thing, and my experience with disc brakes on cars is that they stop you faster.