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I would wait myself especially if you have not heared any squealing when applying brakes. The metal clips are there to warn you that its time when they make contact!

I have a new opinion on this one. I will not hold off again. Sometimes life gets in the way and by the time you can get to it the weather doesn’t cooperate and all of a sudden you are metal to metal with rapid uneven wear because of a suck caliper pin.

Getting all that rust off my black winter rim was not fun. I will forever change me pads when .25 is left to remove any possibility of the above happening to me again.