[smobro]

It is the bomb event! I played it last year and had a blast. My wife and I rented a house in Fountain Hills and we are both playing it this year.
I never lost a disc at Vista, but you can. I lost a couple at Fountain, by making throwing errors. You don't have to lose discs. It is totally risk reward and I would say that OB is really more the concern. They tighten the fairways and pins are often protected by OB and difficult come backers.
It is truly a great event. I recommend that you play both courses ahead of time. I have never played Trojan, so I can't be helpful there.

Go Oregon!