I admit it, I'm a luddite who's never had disk brakes before. My last mtb was bought cheap so had v-brakes but it still got me up and out and muddy and happy. My commuter hack has v's and my cyclocrosser has v's, I know them, I trust them, I know how to fettle them up right, and I have bags of spare bits to swap between the different bikes.
I know all the benefits of disks. But the case against them is I also know I gently pootle xc rather than throw myself down hills with short-staining abandon (i.e. I've yet to die using only v's), and not having had them before I don't know if I have the nous to bother learning how to deal with hydraulics.
Anyway, having sold the mtb to my nephew, I'm looking for a new bike. And this has brought me crashing headlong into having to look at disks. I'm not here trying to rant about the lack of v-braked £500 bikes, but to ask your opinion – is there a rise in hassle-factor in maintaining disks for the added benefits, even if I might not fully use those added benefits? Or should I finally get with the 20th 21st century? Remember I know NOTHING about maintaining disks.