Although not discs I have a few observations…
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I did have a set of race wheels. Spent over £2k on a set of Roval Rapide CLX64. It was the biggest waste of money ever as I hardly got any use out of them. Sold them with my TT bike.
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I have two sets of wheels - Zipp 303 and Roval Rapide CLX32. I use them for different circumstance, both racing and training. I use the same “race day” tyres all the time.
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I’ve never worn out the brake track on a set of carbon rim brake. My Zipps are 6 years old and the brake track is showing no signs of wear.
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There’s lots of hype about crits and crashes. I’ve seen just as many mangled bikes in road races as I have crits.