My approach - ASAP after the little wear feelers on the OEM pads start squealing, replace the disc pads with the premium stuff from Bendix or Raybestos, about $30 a set for my F150. ASAP after the replacement pads start squealing, buy anothe rset of premium pads and a set of rotors. If it looks like one or both calipers are leaking or binding, add a set of rebuilt calipers. Brake parts today are too light and replacement to cheap to screw around with yours and everyone else's safety. At least doing it myself, I can probably do all the above for the price of a couple of the loss-leader come-on prices from the garages that always go up once your vehicle is on the lift.
Blacksmith
Stickmate LX AC/DC
Big cheap (Chinese) Anvil
Hand cranked coal forge
Freon bottle propane forge
HH 210 and bottle of C25