I've yet to find any disc brakes as fierce as the rim brakes on my Felt, and that includes my own stable of XTR, STX and Hope M4 equipped bikes.
I have spoken on these hallowed pages before about how they appear to be fairly conventional dual pivot calipers. I suspect they may be Tektro, but they're unbranded so I can't confirm that. Whatever, the power is astonishing, more braking that i can use in any weather. I emailed Felt to ask what make the cartridge pads are so I can get some more. They responded, asking for my full name and address, and a few weeks later 2 full sets arrived in the post, absolutely gratis. I still don't know what make they are though
The olde worlde centrepulls on my Claud are on Clark pads and again, can lifr the rear wheel, some clearly capable of providing more stopping power than the bike can transmit to the ground. Discs might provide even more power still, but seeing as I've already exceeded the rest of the vehicles ability to handle braking power it would be a pointless endeavour.
I'd certainly look at discs first, but as aforementioned it wouldn't be a deal breaker for me. Most people do it for the willy wagging rights when boasting in the lounge bar of the Goat and Vasectomy, but won't admit it
For the time being, wet or dry, the Felt has genuinely astonishing brakes. My fear is that one day I'll be fickle and replace it with something of a more modern design with discs that doesn't stop as well. The only thing I really wish I could lose is that thin film of black dirt they create.
I've never had to replace a rim for any reason other than vandalism, but being an MTB instructor I know how to read the ground ahead and ride light on the contact points, and that carries through to my tarmac riding.
The other downer I hear is people complaining that rim brakes, particularly cantis, can be difficult to set up. Like anything else it's a skill, and if you have it then it's easy. Conversely, when something failed internally on one of the master cylinders of one of my previous bikes with Deore hydros I'd have given my left nut at that exact moment for a cable and barrel adjuster.
You take the rough with the smooth, and of my 3 disc'd bikes and 5 rim brakes bikes they all have rough to go with the smooth. The only thing that matters is where your personal needle sits on the scale of compromise that suits you best, and that's not only different for everyone but liable to differ bike by bike as well.
Which brings me back to the OP. Go try some bikes. Theres a decent chance that discs will do it, bbutthe bike that tugs your rug has rim brakes and stops ok then don't sweat it. The only people that will notice are the self appointed brake system police, and no one cares what they think anyway.