I believe no bike purchase should be rushed. Depends of course on the riding you plan on doing with the bike. Many mountain bikes are aluminum - not a bad material for a full suspension or even a hard tail as the shocks take out alot of the hits to the frame. I would do an internet search on the types of frame materials.
As to disc brakes... if you do some pretty agressive riding than in the future you might consider disc brakes but the wheels on the bike must be disc ready. If no that also means new wheels. If you are small and light weight, Vbrakes should do you just fine.
13" frame is very small. I'm 5'8" and ride a 17" frame so keep that in perspective. A MTB frame is generally smaller than a road frame.
Anyway would help if you let us know how you plan to use the bike (hard packed fireroads vs. rocky, gnarly singletrack etc). Do you know the components the bike has? Can the frame be upgraded with better components if you decide you like to ride MTB?



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