It depends on what you will use the bike for. If you do not race there are plenty of durable reliable bikes for less than $200. And you can upgrade them if you know how. I upgraded the wheel brakes on my $130 Genesis bike with a disc brake because I liked the disc brake on the front so much. It took a bracket and two pieces of angle aluminum to mount the caliper, but ebay has calipers with enough adjustments to make it work as well as the factory front disc brake.