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.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!
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.