There is no particularly strong argument to suggest that as a begginner you should avoid a rear disc brake at all costs. However, if you are intent on running disc brakes make sure they are hydraulic as a good v-brake is often as good as, if not better, than a mechanical disc brake. Also bear in mind that it is almost guranteed that you will want to try maguras at some point, so why not invest in these from the start? It is also unlikely that you will damage a rim brake as you progress, something that is likely to occur if you have disc brakes.