Glad you’ve raised this FP, because I’ve been struggling with this for a while. The cost doesn’t bother me, but just when I think I’m all keen to buy a disc, I chicken out and say to myself “FFS just train more”. It is quite a nice feeling passing someone in a race who has a disc too!
The Customer is the first person I’ve ever heard say they would rather not have one (having had one), so that’s interesting.
Where I’m at currently personally is I’d like to hire/borrow a disc for a race (and practice a bit beforehand) to see what it’s like - I’m thinking of doing that for the Port Mac 70.3 in May as it is also hilly.
If it makes a difference to me then I might make the purchase. If not then I’ll stick to my HED Jet 6 (similar to your 404’s).