Good disc brakes are high on my list of priorities for a bike. The way I see it, the faster and smoother you can stop, the faster you can go and stay in control. I guess it depends on the person and the terrain, but I think it makes a difference.
Anyway, the disc upgrade on the Trek is for Hayes hydraulic brakes, so if you go with that at least they're good brakes. But the Specialized can accept discs and has better components otherwise, so it might not be a bad idea to start without them and then put discs on it later.
I'd tell your shop guy to put a different stem on the Specialized so you can test it again and see if you like it better that way. Yeah it's a hassle, but make sure it fits now and you'll save yourself a hassle in the long run.
"Life should not be a journey to the grave with the intention of arriving safely in a pretty and well preserved body, but rather to skid in broadside, thoroughly used up, totally worn out, and loudly proclaiming, "Wow, what a Ride!"
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