That's a fair point, but the flip side is that, while I'm more than comfortable building bikes and doing any job required on them (including on hydraulic disc systems), my experience of Di2 as detailed above is that it requires some investment in diagnostics software; disc brakes, while simple enough in principle, are simply too vulnerable to contamination to be suitable for use in bikes, where the smallest amount of chain lube from the other side of the hub is enough to set the things squealing in a teeth-gratingly irritating manner. (And no matter how careful you are to avoid contamination, it does happen.) Fine, if the performance gains provided by disc brakes are important to you then that's something you can live with, but for me using the bike to get to work and finding rim brakes to be in no way inadequate - certainly not inferior to discs for the sort of riding I do - it wasn't. I tried discs and genuinely didn't get along with them: since selling the bike and going back to rim brakes, my riding has been entirely trouble-free and my bikes significantly easier and cheaper to service. And I've never once struggled to stop in time, in any circumstances.