Modulation is all about the range of on-ability of the brake in a range from braking a teeny bit to locking the wheel.
rim wear... I've had mtb rims with V brakes go in three winters; heck of a lot less than 12000 miles.
If the disc gets bent and rubs you bend it back. It may distort if it overheats; folk used to rim brakes often don't understand the braking method with discs on long downhills is different. With rim brakes rider tend to drag the brake for long distances. With disks you freewheel and then brake hard, freewheel and then brake hard as dragging them makes the pads fade and the disks overheat. (but only on really long descents)
cable brakes can be tricky to adjust especially entry level ones. Avid BB5's are parp for adjusting BB7's a cinch. Hydraulic ones are self adjusting.
iirc the cable operated stainless steel front disc on my old Honda CB200 from the early 80's had a bendy disc or some such.
View attachment 109561
Not my actual bike, and this is a US one with ape hangers...
Works fine on my cable discs (all BB7's)