Exactly, why cut off any potential for going exciting places?

I bought a Cotic roadrat from Tim a couple of years ago. I ahve toured, commuted, winter trainer even done a tt (badly!!) on it. Discs or not, gears or not, mudguards and racks. Loads cheaper than a fargo iirc.

I'm using a roadrat for that too. I have 1×9 with a 50tooth compact road chainset, XT cassette and rear mech. BB7 brakes and an ultegra STI lever with another brake lever on the other side.
I got sick of the hassle of changing flats with the stupid dropout arrangement so I bought some stupidly heavy 37mm Continental Contact Something or other tyres with a 1 year no-flat garuntee which are bomb proof and I use it for witner riding in the forest, on the roads and just about wherever I want.
The BB7s are a bit of hard work to keep working how I want them and I could do with some more grip sometimes, but in general it is agreat do anything bike. I even tow the kids in the trailer in the summer, but the 50tooth chainring makes it hard work now there are 2 of them 🙂

I would drop the disc brake idea and get a Salsa Casseroll.