in response to the claim that there are 'no downsides to disc brakes' I pointed out several things that are downsides and added that IMHO they are not really suitable for utility bikes because they are liable to get knocked.
My quick search suggests the phrase 'no downsides to disc brakes' is used exactly once, prior to my typing it just now, which is in your post to which I am replying...
I do not think that your statement is as true as you think.
I carried a pair of 700c disc wheels with discs attached, strapped to a 65L backpack on a Eurostar and on trains across 4 countries, then installed them on a bike, the disc on one wheel needed to be trued, and this took me exactly one "bend" with an adjustable spanner, and they worked perfectly.
They also don't always survive the neglect they typically receive in that service either. For that service (and for various reasons) I'd choose drum brakes, roller brakes, and even rim brakes over discs.
Then don't neglect bikes. There's a lot of 'solutions' out there for making it such that a bike needs less servicing, but in my experience what that does is just make the servicing harder when it's needed. A Dutch friend with a Dutch city bike was espousing how their bike was really low maintenance and they hadn't needed to oil it and the chain guard protected everything and the hub brakes just work and and and... It took bloody ages to just get the chain guard off so we could try to fix it. With hub brakes you only know that they are wearing out when they fail on you. It's not something you can easily see if the shoe is wearing, unlike rim and disk brakes where you can see the wear level by looking at them.
I still can't understand why anyone would choose back pedal brakes, I've used them a few times, they never have the stopping power even close to other brakes, and it restricts what you can do with the pedals... oh and the usual stuff above regarding checking wear...
I had discs on my commuting bike for a while (one that I didn't have to park in hazardous areas) and the brakes were ones that would only take organic pads. The brakes were great for most planned braking, but when it was tipping with rain, there was an enormous amount of lag (a bit like with chrome steel rims and rim brakes) that made any unplanned braking a real lottery. I came to the conclusion it was only a matter of time till I skittled some dozy sod staggering off the pavement in front of me.
Sounds like you had just poor quality disc brakes... in which case you get what you pay for. The TRP Spyre's that I'm running on my current bike are a world away from the cheaper disc brakes out there.
With different brakes, fitted with sintered pads, that would have been better. But TBH drum brakes work so well for that purpose that it'd be daft to choose something other than those.
Right up to the point where they fail, at which point you're gonna need a proper work shop to do anything with them...
J