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For what it's worth, after about a year of commuting fixed with a v-brake (old XT parallelogram one, fwiw) I upgraded to a mechanical disc (TRP Spyre). I am convinced it has saved my life, or at least avoided serious crashes, at least three times within 6 months. All three times in the wet. n=1 and all that, but well worth it.
Discs can't apply more stopping force, the limit is still tyre grip at the back and tipping moment at the front. As far as the fork is concerned, the load path within the fork structure is different, but once it gets to the crown race it's exactly the same as a caliper or V-brake (or even a cantilever, as long as the owner has done the right thing and fixed the cable housing stop to the fork crown), and the frame doesn't know the difference.