My 2 cents, disk brakes are very easy to work on. I've done mine all around.
I can't speak too strongly about never having problems with them though, just posted a thread last week where my rear brake caliper had failed and was sticking. So I can't claim that they're 100% problem free. But I'm one case.
Having said that, I'm not exactly an expert wrench turner, and I was able to swap the caliper out with a new one in something like 15 minutes. And the reman'd one from NAPA was like $50 and comes with a lifetime warranty. So it's not exactly a tragedy if a caliper does fail.
As far as longevity, my front brake pads lasted over 70,000 miles, and my rear brakes would have lasted much longer had the caliper not failed, causing one pad to wear to metal. The other side which still had a good caliper still had a lot of pad left and I'm at 85,000 miles. So I can say that rear discs (if working properly) would probably easily wear to 100,000 miles or more.