If you want to save a few hundred bucks you could skip the disc brakes (or put the money into an upgraded fork instead). Even in Colorado, I think disc brakes are overrated for the recreational rider. I’ve riden most trails on the front range and can say my pads have worked out just fine (even screaming down Apex). Have changed them once in 3 years.
On the other hand, full suspension is REALLY nice for the trails out here.. worth every penny but you get what you pay for. Don’t go too cheap.
Good luck! I’ll look for you! My favs are Lair o the Bear, White Ranch, Deer Creek.
JB