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On my rear shoes I can check the wear and how close I am to the head of the rivets visually. On the front disc pads there is an inspection window in the caliper that you can check the thickness of the pads, but you cannot see the rivets without removing the pads. The last time I turned in the lifetime pads they told me they would accept them but if they are worn into the rivet again they won't accept them. The time before that they told me there was still wear left. A shop manual says when the pad is 1/8 inch or less to replace. Does that sound about right? 89 Ranger XLT if that matters. Thanks.
I'd stay away from riveted pads, if I were you. Cemented pads are much better and give you more material to work with. If you let a riveted pad grind the rotor at all, you *will* be buying a new rotor. You can get away with it grinding on a cemented pad.
I've seen more than one rotor where the owner let a riveted pad grind away for a couple days and that side of the rotor has no material left on it at all - ground it right down to the cooling fins. It was a miracle the piston stayed in the caliper.
I'd rather take my chances with rivets, over getting the brakes hot while towing and the pad seperating from the backing plate. Not only have I seen it, but had it happen. Never again, thank you very much.
I've seen it happen, too, but never with quality brake pads. Only with the cheap crap that Autozone and the like sells. I saw it happen with a set of Raybestos once, too.