Neil beat me to it while I was typing!
My road bikes all have rim brakes! I would go for disc if I bought another one, but that isn't likely to happen in the near future. All I do for now is to put the red Cannondale (in the 'Mytholm Steeps' photo) away from the first gritting of the winter until a few weeks after the final one, to allow time for the roads to get washed clear of salt and grit. It is that salty 'grinding paste' combined with repeated heavy braking that does the damage.
I usually ride my singlespeed bike in the winter these days. That has much cheaper wheels, and I can't do steep hills on it anyway, so rim wear is less of a issue. When necessary I will just buy another inexpensive set of wheels for it.
I have 2 CX bikes. They are ridden on and off road over all sorts of terrain and variable conditions so I made sure that I chose bikes with discs. The older bike has been out of action for a while, awaiting a fork replacement. (Safety recall.) I only bought the other one a year ago and it is stored at my sister's house in Devon so I only get to ride it on my holidays
The MTB also has discs.
I have never replaced a disc wheel. (Strictly speaking, I
did put a new set of wheels on the Devon bike when I bought it, but that was only because I wanted to treat myself to some better wheels than the cheap ones that were on it.)
There are many different brands and types of disc pad so the prices are very variable. Some can be very expensive, some not too bad. I have recently bought 2 complete sets for my Devon bike. I haven't checked the original pads yet but hilly Devon is like Yorkshire and Lancashire in terms of braking (I can be up and down steep stuff all day, therefore lots of heavy braking). I wanted to have spares ready to make sure that dodgy brakes never spoil a cycling holiday down there!
These pads are a type I have never tried before (kevlar)... about £28 for 2 sets. I only do about 1,200 km a year in Devon so I would expect to get several years out of those pads. I'll post back in this thread when I put the first set in, and again when I have to replace those with the second set.
I never really took much notice of how often I changed the MTB pads. It didn't seem to be annoyingly frequently, but I have changed them a few times times over the 20 years that I have owned the bike!