Originally Posted by CliffordK

If you buy new new, ride the bike hard for 5 to 10 years, then try to resell... Disc brakes won't make a whole heap of difference.

And, let's say they do make a difference in the selling price.

So, in 5 years, you can sell your disc brake bike for $1300 and rim brake bike for $800

Great!!!!

Unless the disc bike costs $500 more to start with, and you've gained nothing.

If budgets are tight, then look at the used, end of the year sale, or barely used markets.