Is the extra cash spent on Bajaj Discover 125T Disc worth it, as compared to the drum brake version?

The Bajaj Discover 125T is available as drum brake and disc brake variants and the disc brake variant is priced about ?3,000 more. Do disc brakes give better stopping power? Absolutely, but even some riders say that for a commuter bike like the Discover 125T, drum brakes will do the job. Some say every rupee spent on disc brakes is worth it, particularly in the wet. Disc brakes also require more maintenance, and there's the cost of that as well. This could make a big difference to the budget conscious buyer. Safety focused riders may consider it money well spent, at the price of potentially improved braking performance. And the debate often is extended over resale value, with some claiming that disc brake models hold their values better.