Hey I will try answering your question, The V-Brakes works by compressing rubber pads against the rim of your wheel. They are simple, light, inexpensive and effective. The shortcomings are if you live and ride in wet areas, your rims will get wet and muddy and the brakes will make incredible squalling noises when you use them. Where as Disc brakes work by compressing disks against a rotor mounted on the hub of your wheel. As others have said, they are quite comparable to disc brakes on an automobile. They are much heavier than the normal V-Brakes, not as simple, and much more expensive. The advantage is they provide more stopping power.
Disc brakes are expensive. Hence Money wise you can go in for a bike with V breaks. However if you are going to be riding long distance and have a budget, I think you should go in for the bike with Disc breaks. I hope this helps you.