Thanks for all the advice guys.
I never thought about bashing the rotor before but as I am starting from less than zero I think that will be a distinct possibility. It looks like the Phase is the best option then, and I can always upgrade to a disc if it seems that the rim brakes aren't what I like. As you say isitafox it is always a pain starting somewhere and trying things out, but there is no other way really.
Thanks Matt and Stewie, it looks like the budget is going to have to stretch to two bikes after all, pity...but it is usually better to get something that is reasonable to start with otherwise you never know if you are just useless or you have bad equipment. The downside of that is that if I end up pants I have nothing or no one to blame but me!!!