hi, I apologize if this has been discussed before (and I'm positive it has!) but I don't have the time to wade through the posts...

After riding my cyclocross as a commuter for 15+ years and it needing a major overhaul, I finally admitted it's time for a new bike.

I've looked at a few hybrids, and I'm still in the narrowing down process, but can anyone sway me in one way or the other whether disc brakes are worth the money, or V-brakes are okay for what I need, which is 95% urban commuting, and 5% urban leisure. I will not be doing any trail rides, but I do live in Vancouver where it rains a lot and the roads sometimes contain a lot of grit and gunk (like today with A LOT of salt).

Since this isn't my main mode of transport and purely for commuting and sometimes market-cruising, I don't want to sink a lot of money into it. My budget ceiling is $800, so that does eliminate a lot of disc options. However, I wanted to know what the advantages/disadvantages for both were.