The only time I need to adjust my drum brakes is when the cable stretches, which I imagine could also happen with a disc. The bigger the drum, the better the stopping power as well. You don't need a special fork for drum brakes, because if the forks dont have a stud, you can always fabricate a bracket. Some drum brakes even come with one. Drums are also virtually impervious to weather. Driving through a flood might cause them to fail, but then again if your in water high enough to reach your axles, probably not running your motor anyway. As with coaster brakes (also a type of drum btw), long downhill descents may cause the brakes to fade. If I bought a bike that came with discs, I'd try them out and decide how I like them. But using a drum is bound to be cheaper than converting a non-disc bike to bikes. Heck, I only paid $35 for my steel Worksman wheel with drum. Can't beat that.