My expirience with 3 different systems:
1. Shimano Zee hydraulic disc brakes are good, but I'd recommend bigger disc diameter at the front than at the rear. My current setup is 180mm front and rear, and the brake feel is different on left vs right side. It's a bit annoying. Modulating is fantastic, and stopping power huge. They squeek a bit, and it is easy to burn skin on discs. I feel very safe using them. Zee brakes are very hard to lock, they act almost as an ABS. You really have to push hard to get that last 1% that locks the wheel.
2. Shimano V rim brakes (some 20 years old XT) are OTB capable, but they destroy rims. Almost as good raw stopping power as Zee, but worse modulation. Totally ok as a budget solution. Those brakes are silent and easy to lock.
3.Tektro 160mm wire disc brakes are complete joke, they squeek a lot and are plain dangerous. No stopping power whatsoever, no modulation. They have only one position (off). Disc pattern is very different from the zee disc brake design, that may be a reason of bad performance. I prefer to use my legs dragging me to stop than using those brakes. Those brakes can't lock the wheel.