Also disc brakes aren't really helpful when you are just riding around in the city, just higher maintenance. It would probably be better to just get some decent rim brakes.
Depends. As I use to bicycle all over my hometown during my college days rim brakes could be a problem when it rained or snowed. Mostly because the obvious problem of getting a solid grip on the rim is impeded by the moisture. I'm not sure if a disc brake is any better in this capacity but if it is even marginally better then if I was a PD using bikes to get riot police around I would accept the cost of the maintenance of a disc brake over rim ones.