You might want to get one of these bash guards:
http://vpfree.pinkbike.com/bb/viewtopic.php?t=81194

I'm most likely getting one.. really cool looking, no?

That and another Avid mech would probably be cool. You have a Hayes mech brake for the rear, right? If you sell it, how much do you think for? I think I have disc mounts, maybe I could use it :)

maybe like $25 usd (negotiable) for the caliper, a hayes lever and the adapter.
Im not sure about a rotor because i dont know if when you buy a brake you get a rotor.

I'm pretty sure you get rotors with new brakes.

save and get a nice fork. best upgrade for the money. i got my Z1 and i couldnt be happier.