Here in snow country I've always had a caliper seize, or pad get stuck in the clip (most common) long before pads or rotors needed replacement. When the kids started driving rotor replacement was a problem until I educated my daughters a little. At that time I wasn't doing brake work myself. I watched the SMA videos and learned a ton and started doing the brakes myself. Huge savings doing it diy. On my Accord I had what I thought was a rear bearing noise so I pulled everything off to expose the hub. The car was 6 years old at the time To me this was very telling as I had no issues. I lubed everything up and reassembled and about 18 months later, the outer shim separated from the pad. My take is in rust country just wait until you have a problem instead of doing routine maintenance. If you, are a high mileage driver you can tell by looking at the pads when rotating tires. I don't think I've ever had a caliper pin seize as they are in a protected environment. It's those ears of the pads that fuse to the clips where the problem lies around here.