Disc wheel is going to be faster. Know you're getting back into it but if you have time/place goals the next 2 years it might make sense to find something on lower end of the $ spectrum. Premier bike has their rim brake disc for $850. Flo is a little more than that and if you reach out to them for a quick consult they'll give you a discounted price, putting it just over $1000. Seems like an ok investment if you can swing it. I wouldn't get one over $2k. Better to save the extra money for the new bike/set-up.

nothing wrong with rim brake setups

especially if your on a budget

you can probably find a pre owned one in good condition for well under $1k

or go with a flo wheel
theyre a great value for the money

Bought a new rim brake disc wheel for gf 6 months ago and just bought another one(used) for myself 2 days ago. Rim brake disc wheel is not getting any cheaper, it's even more expensive and harder to find during this off season and I don't know why. Due to supply shortage, inflation or people don't want to sell theirs? Anyway, it's definitely faster so it's good to have. I use 88mm deep wheel if it's windy and cross wind is bad. If there's no wind and flat, I use a disc wheel.

Unfortunately your post is a week late...but you can still find pretty decent deals from Premier. I would consider them, HED or the FLO. No need to spend over 1k. I'd start looking new with the three listed above then shop the classifieds and ebay.

Go for a used disc. Since discs are typically race-only wheels, they tend to have low miles. Add onto that all the folks upgrading to disc brake frames and getting a used rim brake disc wheel should be a buyer's market.

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