A lot of that has already been covered in other comments, e.g. frame material. One thing that caught my eye was the recommendation for mechanical disc brakes. In my experience, these always suck. They don't stop properly, they need a lot of lever force, and they're quite sensitive to cable drag.
Hydraulic brakes hardly ever need maintenance apart from changing the pads, especially when used for commuting/recreational riding. Manufacturers tell you to change the hydraulic fluid once every few years, which should be done at the local bike store and can be combined with a general check-up which is a good idea once in a while anyway.
The reason that mechanical disc brakes are horrible is because they often are cheap and bottom of the line. You could use TRP Spyre which have a different reputation. It still won't be as light on the hand as hydraulic, but there may be the other advantages so there is a reasonable compromise possible. And with bicycles, everything is a compromise :)
