Which Groupset?

last 2 reasons are purely economical so cant argue with that :P and mad enve jealousy (!)

But how do you know you dont need the stopping power? (genuine question btw)

My housemate has a mtb with discs, ive tried and they stop fast an thats cool but ive never had problems stopping on calliper brakes and i rode to work in the snow, im not particularly heavy orfast and if pro CX riders can se then then i certainly can