I haven't looked at your links, but some general comments based on your text.

Unless you plan to ride in the rain or mud disc brakes are probably over-kill. I don't, and I wuld still like them, but can't see spending the money.

If you plan to ride in inclement weather, then you might be on the right track to have disc brakes, but if you can do without them, you will be able to get better components on the rest of the bike.

Also, for a bike in that range, unless you want to compete, the components will be fine.

Also, if you are leaning toward a hybrid, you may want to ask in the Hybrid Cycling forum. I can move this there if you want.