>>1898665rim bike will be lighter, cheaper, and less likely to have annoying low quality brakes that cause you headaches. It's only a matter of finding one because most are disc now.
disc bike will have more tire clearance.
If you're athletic and want to go out and hammer around fast then the std 28mm tires you'll get on a rim brake are fast and ideal. But if you want to sacrifice some speed for comfort and make your bike better on dirt or particularly rough country roads or with a load then the 32-35 a disc bike will fit, or the ability to have tires + full fenders for rain, might be an advantage.
A rim road bike is the pure svelte version of itself though and you should not be too enticed by 'versatility' unless it's -actually- what you want.
>i am worried if i don't spend enough up on a good bike if i will just bored with it and want a better onethat can happen at practically any price point though. If you get an entry level bike and want it to be faster later, you can buy $$ wheels and tires for it and see a noticeable difference. I think even a good entry level road bike will kinda blow your mind if you've never ridden a road bike before.