Thanks - I've looked into these, but the prices I've found the two bikes I mentioned in my original post are the best value. Scourer for £370 and Boardman for £300.
i understood that disc brakes were more reactive than caliper?
I cycle extremely cautiously, but I'm sure you'll know if you've cycled through central London that you can't always account for what pedestrians, and other road users, will do!
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