Jeff -- right now you're kind of like a turbo under boost...
I love that signature!
Seriously -- For discs - I've bought the bulk bags from the chinko tool booths at car shows... and they work just fine! They're cheap - and when they quit cutting - I toss it and grab another. I've also bought boxes of 3M... and I can't tell any difference whatsoever. I keep at least 3 different grits -- and 3 different grits of the pad type (can't think of their proper name right now)... for finish work. Again - cheap or brand name - I can't tell the difference.
ONE THING YOU NEVER WANT FOR METAL WORK -- ANYTHING WITH SILICONE.
For cut off wheels -- I use the welder shop good brand. I don't want cheap azz stuff flying apart and ruining my day.