OCD said:
Cheap disc brakes stop better than most quality v-brakes.
Hogwash. In my years as a bike mechanic, I have come across many disc brakes that worked about as well as dragging a brick on a string. And at the other extreme, rim brakes can dissipate more energy more quietly and sensitively than any disc brake-- they simply have more thermal mass and surface area to work with, by far. Rim-brake-only front wheels are inherently stronger, too, because of their better spoke bracing angle.
You won't find many mountain bikes with v-brakes once you spend more than about $600 for a reason.
It's the same reason you won't find many steel wheels on cars over $30,000. It's not because they don't work; it's just fashion and the perception of quality. Trust me that you have to spend close to $100 per wheel to get disc brakes that work nearly as well as $20 V-brakes with $12 pads. You can add a booster arch to a V-brake to stiffen its feel and improve performance at the upper limit, but you can do no such thing for a disc brake.
My usual daily ride has a Hayes mechanical disc with 203mm rotor and EBC fully metallic pads on the front, and a Suntour self-energizing cantilever brake with Kool Stop pads in the rear. The front brake comes on stronger with a light squeeze, but it's noisy and abrupt. The rear comes on more gently and quietly with a more sensitive feel, but it requires a heavy grip to skid the wheel on dry pavement (which it can do at will). When I ride that bike, I use just the rear brake most of the time, because it works better and is quiet. I use the front brake as well when I need to stop hard enough that the rear brake alone won't do the job.
My foul weather bike has Sachs drum brake hubs front and rear. They are not as strong as either of the brakes I detailed above, but they are thoroughly satisfactory and immune to weather and contaminants, unlike discs. Their braking is easy to use in slippery conditions where most discs would lock the wheels inadvertently because of their lack of precision at low power.
As to when it's a good idea to use discs rather than rim brakes:
- When you are using a different wheel diameter than the frame or fork was designed for
- When you use very wide tires, like 3" or wider
- When your frame or fork lacks rim brake mounting points
- When you often ride in loose mud
- When your grip strength is impaired