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Haha well everyone has anecdotes. I went into the side of a car which turned across me into a junction from the other direction. I had the priority/right of way going straight on but I still couldn't stop in time because of my shitty cable pull discs which had deteriorated to being very ineffective. Took them off the same day. I've had various SRAM, Shimano, hope and magura hydro brakes and whilst they can be a pain, require messy bleeding, all of them stop on a dime, every time
Don't bother with cable discs. They work perfectly fine but they require constant fettling to keep working in my experience. Hydro is almost fit and forget, albeit more effort to do the initial fitting.