IS mount is not risky at all to buy. First off, you'll be using an IS to post mount adapter. The big advantage there over flat mount is you can run rotors larger than160 if you want just by using the appropriate adapter. This comes into play more so with mechanical discs. There are a bunch of good mechanical disc brakes available for post mount- TRP Spyres, Yokozuna/Juin Tech, etc. If you want, Crust sells a premixed pair of the Yokozunas 2-piston brakes- one flat mount, one IS/post mount.
Now if you want road hydraulic, Shimano GRX/road levers can be used with post mount calipers. It's been a while since I looked into it, I believe Ultegra and XT calipers both match up with the road levers. Another option (which I have for my Crust Bombora) is a A.S.S. IS to flat mount adapter, so you can simply mount a flat mount brake to an IS fork.
https://www.assolutions.ca/shop/adapters/flat-mount-adapter-for-is-frame/ I believe when I set it up it used a 203 rotor.
Bottom line, for flat bar setups, IS mount using a ubiquitous IS to post mount adapter is current tech. For drop bars, IS is now legacy tech like cantis, but still easy to do a setup.