I am from Kerala, wherer it rains almost six months a year and roads g

I am from Kerala, wherer it rains almost six months a year and roads get muddy and drainage overflow. And when it is not raining it gets all dusty. I am planning to purchase a scooter. Is it a good option to buy one with disc brakes? I am afraid that as the discs are placed too lower when compared to bikes, the chances of them getting jammed or damaged are higher in such conditions. Can you help?

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