Thanks for the replies. I think I'm leaning towards the Giant tbh. Is it silly that part of that is the design? I like the cables going into the frame. I think I can get a test ride of the Giant once they are in stock (the shop is getting more stock of everything this week) but I don't know if I will be able to test ride the Ridgeback as the dealer is not a shop in the conventional sense but someone working out of a trailer where I work, they are legit but don't keep a stock of bikes.
It was mainly that disc brakes offer better stopping power and if you are heavier you may need the extra stopping power, the better performance in the wet is important as I hope to commute in the bad weather too, means I will have to clean my motorbike less
Just over five miles and the surfaces are pretty good aside from a few shared use paths where they have just put up a sign on a normal slabbed footpath and the slabs are all uneven and even that isn't too bad.
Unfortunately I can't buy it from the website with the cyclescheme but the saving through the scheme is pretty good.