stopping on a dime will throw you into an endo, or a skid, your choice.
You gain confidence through skills and experience. Equipment will help, but does not replace a skill set. If you don't have the confidence for speed on descents, disk brakes just means you can go slower than ever before.
I'd take that $200 and look for a good skills camp in your area. Skills training improved my biking more than 100%. I'm pretty sure there's a strong group in Austin that does women's clinics, spend your money there.




Honestly I think a nice new pair of brake pads will help and just riding more. Is it scary to say I like that I don't completely stop on a dime? 
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