I confess I like the looks of disc brakes, but there is one thing I learned racing road bikes (the motor kind):
On dry pavement, 100% of the stopping can and should be done with your front brakes.
I've never raced cars before, but the physics of the situation is that most of the stopping power comes from the front brakes on a car (not 100%, but certainly more than 50%).
For the average commuting joe, rear discs is a show toy...but a cool one!
geosynch