A couple of things here. I have never had a bicycle crash because I didn't have enough braking power. I have had several get offs when I inadvertently grabbed too much front brake in a bit of a pickle. The worst of those occurred with hydraulic disc brakes. Sure, with more skill, I may not have crashed. I have never been stranded as a result of mechanical brakes. I have been stranded and needed a shop to rectify the issue as a result of hydraulic brakes. Sure, with more skill, I could have solved the issue myself. There are multitudes of threads where folks have had issues bleeding hydraulic brakes. I can't recall any threads where any of us were having difficulty getting cable tension sorted out.
Love me some one finger hydraulic braking on long downhills, but that is the only place I prefer hydros.
TRP Spykes and Spyres are my sweet spot in performance, cost and ease of maintenance.