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Id agree: with high torque pads (given the heat) once a year. As far as symptoms, apart from melted seals, a brake sticking would be another. Meaning piston(s) are getting stuck and dont release properly. That's easy to spot on loud pads. You'll be driving along without applying brakes, yet you will hear them squeal.
Heat is number 1 cause of piston scoring (vs scouring?) and pitting. Also, any grime that gets forced there.
Note that pads that run hot will off gas more and hence contribute more.
As far as DIY being easy...well, it all depends and clearly is on another level from popping brake pads. While it may be easy for some, it wont be easy for all.
I would not recommend somebody does it, if one is not used to regularly wrenching, having the tools, etc.
While some folks are mechanically inclined, have a nice work bench in a garage, etc - some are all thumbs (like me!). So, for an average person, I'd recommend taking it to your trusted mechanic and watch the process first, to see if you are up to it.
Remember, this is brakes we are talking about. Screwing something up is NOT an option. Cheers!
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