I like a trail bike with a comfortable seat to ride on the Katy Trail.
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That's a practical everyday general bike. Good for on and off road trails. Its rather nice. I still prefer a good tourer as you can take a tourer on off road trails (As long as there is a path to follow!) and it is good for carrying things, along with it being a comfortable long distance road bike.
It is hard to get a decent touring bike today though as most have turned to aluminium (Great for short distances but lacks "Give") or changes to a more direct compact frame style which may increase seated performance, but it loses its edge for comfort and get out of the seat hill climbing.
The other thing with today's tourers are they come with the dreaded cable disc brakes. Near the hub is the worst place to generate a stopping force on the wheels. OK, the dirt and wet goes onto the rim of the wheel, but unless all ones cycling is off road, a rim brake is lighter in weight and has greater braking force so less brake force is needed to actually stop. Those who have tried hydraulic rim brakes will certainly understand what I mean, though I'd say get aa decent cable rim brake. Flat bars...Go for a V. Drop bars... Either a good cantilever or a decent caliper brake. The old centre pulls are good if you can get the cables for them.
Parts! Well. Here is another reason not to go for disc brakes. It seems like every manufacturer has several uncompatable diffent designs of brake pad. The last shop I was working in we counted 43 different types and there were more!
Rim brake blocks come in just a few different types so you are almost certain to find a new pair when you need them!
The one place I rate disc brakes superior is in extreme conditions like heavy thick mud or clingy snow where rim brakes get in the way, and they do have the advantage that if one has damaged the wheel rim, you still have braking to continue your journey. This can be a godsend for extreme conditions. However I conclude overall, for economy sake, and ease of maintenance regarding spares, the rim wins.
A quick note. Drop bars and cable disc brakes. Many manufacturers were bringing this set up and the brakes were aweful! This was because the leverage is not compatable between the lever and the brake caliper at the disc side. To explain this you need a brief bicycle history lesson...
When I started in the trade most of all the bikes I sold or repaired had caliper brakes. The centre pull types used on tourers had just been superceeded by the cantilever brake which touring bikes and they were fitted to the new craze of the mountain bikes and the early street bikes which were later called hybrid bikes. (I remember the first hybrid bike I saw...The Peugeot Concept 18...They didn't have a category back then. When Dawes copied the idea with a range of 4 bikes, they called them street bikes which used touring frames and wheels but MTB handlebars).
Forward a few years from there and the early STI gear levers were in (Aweful!) That tried to replace the thumbshifters that came in friction or SIS form. After STI was developed further to make it work better, the V brakes came in. Here is where the problem started as V brakes need a different leverage at the brake lever due to the difference in travel needed at the cable to operate the brakes. New lever design came out to cater for this for the mountain bikes and hybrids, but as the majority of drop handlebars had caliper brakes there was little market to change from cantis to V brakes for the touring bikes. So they stayed with cantilever brakes.
Forward a few years to disc brakes. The first were all cable disc and were designed to operate via using V brake levers. Nothing has changed since then, except a craze of fashion to fit all other bikes with discs which the manufacturers love as they get more profit as one has to get the bike shop to order new pads from them either directly or indirectly... Hence over 40 different designs! Now drop handlebar levers and the disc brake calipsers are not compatable. The last I hears that only one manufacturer changed their disccaliper design to be used specifically with drop bar leverage, and as it was at the top of the range in price, the bike manufacturers put profits first, and the drop disc braked bikes we sold were truely aweful. And they were not cheap bikes! One or two had such bad braking I refused to pdi the bike and asked if they could be withdrawn from sale which they refused to do as it meant the large UK retail chain store would lose sales. Not long after I left the store so I do not know if things have changed. As so few in the trade have been around long enough to know this history, most new "Qualified" (Usually a week or sometimes even a days course! It took me a few years and there were no qualifications back then... I still am not qualified... It means nothing!) cycle mechanics won't even know where the issue stems from so won't consider there is a problem in selling the bikes as few of them are allowed to ride them!
So if you want t discs for now, make sure the bike has flat bars. You prefer drops, go for a cantilever or a caliper brake. No doubt in a few years time after many cyclists complain there will be a rethink! Sadly the process takes time as fashions are followed for profits!