It’s almost certainly cheaper to do it your way in a car that’s used reasonably often, and indeed is what I’ve always done. However, now that the cars are used much less frequently I am braking harder and later, just to get rid of the rust on the discs. The MINI has only just ticked over 12,000 miles (in 20 months), and the Merc 5,000 miles in 6 months.
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