- Location
- Somewhere wet & hilly in NW England.
I would go for discs, but only if you can afford/live with hydraulic calipers. Cable-actuated disc brakes are very poor as you've noted. Hydraulic brakes are low-maintenance and self-adjusting with pad wear whereas cable brakes are the opposite. With hydraulic disc brakes you can also swap between resin and metal pads - provided the discs can handle both and you've done the proper bed-in procedure during swapping. This gives you access to two completely different modes of brake operation. Resin is nice for slow action and gentle, squeal-free riding whereas metal pads operate best under severe conditions. On road bike riding I would class severe conditions as mountain riding and loaded touring. Peloton riding is fine with resin brakes.
Don't expect better stopping with (good) disc brakes than with good rim brakes. Stopping cannot be improved on what we already have because the limiting factor is not brake force but overturning momentum. In other words, the bike does an endo long before the brakes are even biting as much as they can.
This is not my experience at all - quite the opposite in fact. Discs are a bit better in dry conditions and much better in wet.