I like the idea of a CO VX get together. Great trails start right from my house.

You don't need to change pads until you're making scraping noises. Then you need to change them right away. Usually surface rusting of rotors gets scraped off by pads when you use them. I'm surprised in CO that you have any of that at all. Glad you got good advise and have a bit of time to decide how you want to take care of it.