The bike actually came with non-disc Avid brakes. I can switch out to disc though. After buying Cygolite's 16W handlebar light, new Shimanon 520 pedals, rack, fenders, rack bag, winter gloves and shoe covers I am just about set except for a helmet cover that I will buy from our lovely TEAM ESTROGEN.

Thanks for the extra light tips. I am a safety freak.

I just got done from my first clipped in ride. Almost, but didn't fall (yet : )