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Both you and @Zed are right. But do give it another thought before you take the debit card out. I like both but prefer rim brakes, would I live with disc brakes only bike stable? No.
Maybe do a rim brake budget weenie permitting space? A cheap-ish rim brake road bike is more fun on roads/hills than a disc brake road bike IMO. Bowman palace or CAAD12 or something.
Things I like about disc brakes:
It's what kept the Serotta from being truly 4 season, and on reflection is why I frequently chose to ride the Robin Mather... not for the mudguards or hub gears, but for the discs.
And if I'm going to go disc, I'm going to go hydraulic.
Hell, if I could throw some Hope mountain bike stuff on there I probably would (could, but I'm thinking long-term support, compatibility with the levers, etc and it's just simpler to say Shimano for everything).